The Bard's Tale
All RPG's are tough at the start: when funds are low and the party hasn't developed many special skills. The weapons you set out with aren't ideal and padded armour isn't much use against sharp-clawed foes. In the Bard's Tale games you can circumvent the usually slow money-gathering process with a spot of crafty cash exchanging. Create two parties in the camp at the start of the game and send the first one off to kill some monsters. When you've collected a sizeable loot say 2000 gold pieces - return to the camp. Give all the gold to one character and save the game. Take the guy with gold from the first party and put him in the second. Make him give all his money to one of the other party members and remove him from the second party. You can now add him again and he still has all his money - repeat as many times as you want until you think you've got enough money to last you through the game.