Buying high quality mats cost a fortune and the chances of the War Table giving you rare materials on gather is extremely low and they won't give you Fade-Touch materials at all.
If you are playing without the GN, buying good schematics and high quality mats to outfit your crew is beyond frustrating and without farming for stuff to sale, money isn't easy to come by. The GN does help, but the economy system is still poor.
Once again, you're applying your playstyle as a template of what everyone should use--and you're only doing so to fuel some need to prove any complaint--even perfectly valid ones--wrong.
Buying quality mats does not cost a fortune, unless one is outfitting the entire Inquisition, which is not needed at all until late game DLC and scaled gameplay. Again, that call is on the Player, as the Vanilla loot is more than sufficient even for this. If one chooses to farm, grind, etc like a MMO, then they should not complain about it being like one.
If one cannot upgrade to gain the Golden Nug, the Black Emporium still has a stock of quality mats and schematics available. Have read that some schematics sell for far less than anywhere, though the GN has resolved this for myself. And many of the more common plants (and possibly minerals) are available at Vanilla Merchants.
It is not about my personal playstyle, as I typically use Console Commands to remove all shopping issues from games. In Skyrim, after an initial playthrough, started all DB's with unlimited gold and lockpicks. Cannot do this for DAI, that I am aware, but have not needed to either. It is about the Player being responsible for their own choices; not Bioware's.