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In Wrath of the Righteous, however, gold is absurdly easy to come across. I've actually managed to save up over 1.6 million just by selling excess gear that I collect on my adventures!
Cheap mercs is one argument for finishing the prologue maze low level as possible.
In practice, for Act 1, if you refuse to use toybox for cheats, you don't really need mercs it's just that the companions you get might not be the party composition that enables the playstyle you want.
Customization of your party's composition and playstyle is sort of the reason why mercs are expensive. Because they enable a degree of optimization that literally will triple or quadruple your party's power if you're into PF power gaming.
In Act 1, selling the various "trash" magic weapons you find as well as making sure you loot all the masterwork weapons that cultists drop will net you at least 35k before Grey Garrison. But that does mean you'll play through most of Act 1 without mercs... You literally can't arrive at the tavern with enough money for more than one 1 merc (for which you would have to finish the maze without leveling up so that the merc costs only 500).
If you gather everything of 100 gold or more, by end of act 2, you should be going around 100K. Spent everything to buy a sword.
:P
The economy in Wrath is hyper-inflated just like your power level (Mythic was always silly), but the difference is that there's a limited use for money. Scrolls and Potions I guess? And then what...? Funding the massive world-spanning crusade, theoretically. In practice, most difficulty levels you have unlimited cash past Act 2 which definitely feels it should be nerfed somehow. With Toy Box you can adjust the value that merchants give you when you sell stuff.