Shopping is actually the bigger problem. It’s like asking players to watch other players navigate a menu one by one. And currency doesn’t scale. A lot of campaigns start with a shopping session and then the group falls apart so you never last long enough to get to shopping session 2.
Interactions with the law are also a red flag. It’s a fine possible narrative of course, but when the DM and presumably other players want to do something interesting, and another player wants to do petty or egregious and otherwise irrelevant crime… that’s annoying to everyone else. You really need to be careful about giving an opportunity for that to happen.
DMing is hard