i agree with my whole heart and groin.
if you think back to either FO1 or 2 (or just replay them, don't take *my* word for it) you'll see how scarce AND how expensive they are. your character barely has any scratch and what little he does gain is from busting his ass on side-quests. well, after all those side-quests you then have to make a decision between a leather jacket (better than nothing) some rad-away or a single stimpack IF you could even afford any of it. this was always the most intriguing part of the game to me. those beginning minutes, hours, days, whatever...when you had to really think about how you were going to approach the world around you.