For the games I've DM'd there's almost always been too much Stress and not enough Downtime Actions. The players would spend a good chunk of their Payout on downtime actions for stress reduction/healing. I don't know if I ever saw a player actually put a coin into their retirement stash.

A game centered around moving money, but not acquiring it, could be very interesting. You could tease out a few interesting scenarios and have meta-progression where helping others can create a network of skills. (i.e. you helped the baker pay her debts, now she will bake bread for you at cost.)