Hm.
As far as the Oblivion/Morrowind economy goes, well, you're never really a part of it after the first quarter (or sixteenth if you know what you're doing) of the game. Really. By then none of the stores have items that are equal to the loot you... well, loot from dungeons, so really buying is cut down to pots and repairs. But then, alchemy is easy to level, so really soon you're making your own pots. Armorer skill goes up quickly, you are a walking smithy. Very soon in the game, you have an untapped resource pool of goods sold, because there is almost nothing that a store in either game would otherwise provide. So when you make the rare bribe (if you're not into speechcraft) or buying a house (Oblivion), you're entering this economy you no longer much take a part of.
Seriously, to all you hardcore Morrowind players who got into awesome end-game, do you even remember what level stores became redundant to you? For me. Well, damn, I almost want to say level ten. Almost before that. But it's because you're an adventurer, you're not a normal part of society. You'll leave civilization for weeks at a time, scavenge, fight off disease and creatures and notorious baddies wanting you dead. Of course you'll be self-sufficient.
And to be honest. In a game as open-ended as Morrowind, who actually bought things? Once I discovered that with a little patience and a short time of grinding the sneak skill would reward with anything I could ever want in my materialistic little heart, I went that way. Need that fancy glass armor? Steal it. Need a key from someone. Steal it. Need to resupply arrows? Steal them. Want to loot that entire shop, taking even the keys and pocketchange so that you can ruin the hapless npc's life? Steal it. Selling it was just. I dunno. Not as important. Especially when in Morrowind, rare items were rare, and there was only ONE suit of Daedric armor. I lost the gloves, because I had a storehouse in almost every town. To this day, no idea where they went.
Anyways, sorry for the wall of text. But one more thing, which I noticed as odd.
In DnD, there is the copper/silver/gold/platinum system in increments of 100. But it's terrible. How terrible?
A typical peasant makes 1 silver a year.
An ox costs 7 silver.
A backpack costs 2 (or 3) GOLD. As in. Two to three hundred SILVER for a BACKPACK.
Makes perfect sense.