This is extending an olive branch to all of those DMs out there. When you're selecting (or rolling up) treasure for the party, do things not feel a little too... unrealistic? Using the tables provided in the Dungeon Master's Guide, and other published books, will lead to player characters mostly finding coins and gems, with some magic items when you're feeling generous. Who are all these dungeon-dwellers that mindlessly stockpile wealth
In comes the second problem, though. The DMG does have a tidy table of art objects that can be found as part of treasure, for a neat alternative to raw monetary units. Said table, however, is woefully sparse - especially as a party approaches the higher levels, where the only pieces of art in circulation are gold rings and gold cups. Just how many nonmagical gold rings could one guy be reasonably expected to have?
Here then, I have an answer to your sparse and unrealistic treasure woes.