thorn#GameDev: It's ok for players to start a new game with cash and resources. Might even match their backstory. Rags to riches is a tired trope and is partly why alt start mods are popular.
Players spend stat points and skill points when starting a game, yet the idea of spending currency to choose starting equipment is rare. Here's a city map with stores marked. Here's a wallet. Go ham. No two players will gear up the same way (until one discovers a meta).