Geralt is supposed to get his money from completing jobs, not selling rusty swords and wild mushrooms.
Rusty swords and mushrooms aside. I sold artifacts, antique,s famous sword, magic swords.
At least it should be 30%.
Furthermore, says, you got nearly the best armor in chap 2, dragon scale armor in early chap 2 by money about 3.5k. That wouldn't change the fact that you would still die some times over harpies or rotfiends ambushing you. (my favorite ambush was about 20 nekker near the catacombs). What matter most in this game is skill
which conclude that there was never a reason to be hard on money. So...why?
Another reason this game should be hard on money is that you can import your money from witcher 1 which is much more economic.
I just think the designers think too faraway and forgets the issues nearby.