I was pretty light on gold for most of the game because I played a sniper ranger so was spending money on arrows CONSTANTLY. Arrow of Many Targets and the one with smokepowder bomb on the end are especially strong but so expensive. I had to raid the bank to be able to afford the Persistence Armor from Dammon for Shadowheart, even after maxing out his attitude... which it was super weird it took 5k in donations considering you know, I saved his bacon twice and I'm trying to save the world.
What I think could have worked was one or two other major late game items could have also been ported to the House of Hope, and you have to part with one knowing you won't get it back. Like as a signal that you are basically at the end of the game now, you need to pick your final party config and get them as set up as possible and start letting other things go. I went in to the final section with a lot of gear on other people I really wish I'd transferred to my core team.