While those that are Dead Broke, have a benefactor supplying their equipment, or just don't care about material things may not be interested in money or equipment, equipment helps you perform the tasks your skills are useful for, and money helps you buy the equipment. Serious combatants need to know how powerful their weapons are and how well armor will protect them. Wandering travellers need to know what their gear weighs and how they're carrying it. People travelling miles - or parsecs - from the nearest store will need to make sure they bring what they need with them. And so on.
This is the end of the file.