Agreed in Skyrim's case... After a while, it's less about having the resources as just using them for the hell of it. I've got a nice flat in Markarth and still more than enough gold for spare horses (mine tend to die alot... *Ruffles Hjalmar VI's mane*) and some good enchants on my armour, if I feel that I need it.
I'm still doing the dungeons and the quests because I feel like it. But I'm more like the eccentric hobby-archaeologist noble now, as opposed to a newcomer carving his name in history against all odds. I still have fun, but I would probably would have appreciated my wonderful d0rf-flat and my horses more if they'd been a bit harder to earn.
But then again, the best rewards for me are the ones I sort of blundered in to. Like Wabbajack, my souvenir from my teaparty with Ol' Man Cheese or my cute Argonian husband. So I'm still not -entirely- sure if it's the scarcity of resources that makes or breaks a game.
In some games, it does. Like Stalker, where a huge part of the atmosphere was about feeling outmatched, with tinfoil armour, a Kalash older than you and desperate for some baked beans. But in other games, hoarding resources is really rather secondary. It's useful to have, but it's not something the experience hinges on.
Of course, in Skyrim's case, a hardcore mode-styled mod would certainly be welcome. Eat to not starve, warm up by fires to not freeze, spend time with your spouse to not misuse your Dremoras... There's fun in that type of gameplay, too, I'm sure.