I horde like crazy, but not money.
I've got two of every outfit and weapon in Fallout 3, why two? So I allways have one at 100% and don't need to worry about "But I might need it later". Once I have two of everything I feel ok using the gatling lazer, a weapon whose weight made it counter to my looting. But since I have two regular and one unique I can just drop it if I find something I really want, yet can't carry.
I'm willing to waste money on stupid things but not items of any sort, in fact I waste money so I have
more useless items. Again with Fallout 3, I collect every item that isn't a gnome or kitchen item.
Wasting money to hore items has only come in handy for me twice. First in Baldur's Gate TOB where I needed non-magical weapons to hurt a golem. Then second in Fallout 3 as cameras have great value in Broken Steel.
The Random One said:
Susan Arendt hoarded all the pre-war money in Fallout 3, too.
I did, too. At first, I was hoping someone would be interested in buying it at a high price, like scrap metal, and when I realized there wasn't I had grown found of my huge stack. I briefly considered spreading them all around my place but the game stacked them when dropped.
My game crashed when I went through the trouble of dropping them one at a time, it would have been beautiful.