D&D is designed (in theory) with a delicate balance of power in mind. Give a party too much money and it greatly increases their power. It goes hand in hand with gaining abilities as you level that you also gain steadily in the gear department. So, while you will gain more and more money as you go along (and putting ranks into appraise helps here, btw, as does selling the right goods to the right merchants), you will not normally be able to make everything you can make for every character. That's just the way the game is built. You want the +4 strength item instead of the +2? Okay, but it costs 4 times as much, so really it's a choice between a +4 and 4 +2's. The latter is the better way to go, until you get more money anyway.
If you can get the console open, there's plenty of gold to give yourself.