As I said, if said player wants to feel like a hobbo, or wants to feel that his imaginary money is worth the imaginary work that he's done for it ( minus the real time invested) then it's a system/mechanic/script problem tied to how you earn the money, not how you spend the money.
If the in game economy rewards you highly, it only makes sense to have more options to spend it. You can't really change the economy and the flow of money.
The what what now? You just contradicted yourself, I think. Of course developers have the power to change the economy... They design it in the first place. The player has no power over it. Expenditure is a major part of economy, you know, the "supply/demand" thing. And developers are in full control to decide that as well.