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Console commands then, I guess. Or just be picky with what you grab. Eventually you'll have more than enough gold than you know what to do with.
Or buy stuff like great/grand soulgems or alchemy ingredients to fill their pockets so they then can buy your gear off you.
Edit: If it's a single item worth more than the merchants entire starting gold, i either buy something from them first (thus giving them more gold to purchase my item), or just sell it for the cap they have.
If your gear and items are so ridiculously high in value that they take ALL of a merchant's gold, i.e., you've already done what I said in my first statement, you'll just have to bite the bullet and take what they offer you since you don't want to use mods to highly boost merchants' available gold. The "Investor" Speech level 70 perk is the ONLY way to get extra money out of merchants, save for the exploit where you save your game, kill the merchant, reload, and their gold is restocked. I suggest you do that if there's a merchant you've already sold items to that you want the maximum profit from, but this won't account for single items with ridiculously high monetary value, so you're stuck maximizing your profit in one sitting.
CoughthemodcalledRichSkyrimMerchantscough...
It's accumulative. For example, you retrieve Lucan's golden claw, then invest in his shop. At first for retrieving his claw he would allow you to freely take items worth below 25 gold from all over his shop, even upstairs, and even straight off his shop shelves (free Potions of Minor Healing!). Investing in his shop as a second favor would boost that value to 50.
Yes, Skyrim has a disposition system. It's simple, but it works. People love, really like, like, are indifferent to, or dislike, really dislike, or even hate you, and there are 4 levels on both ends of the spectrum.
https://en.uesp.net/wiki/Skyrim:Disposition
https://www.nexusmods.com/skyrimspecialedition/mods/1772
However, selling gets to a point where it is a waste of time. When one has everything or does not need anything then storing it away is quicker and easier than selling it for gold.
Having a mod like SkyUI, which lets one sort the inventory by name, value, weight, and value per weight(!) is another good help. Simply do not pick up what weighs too much and is of too little value. Eventually will one pick up only individual loot and not hoard everything. It starts with what one picks up.
Most especially enchanted stuff I can disenchant to use later.
if you really want to solve it w/o mods, go to your favourite house, let's say whiterun, lots of close-by merchants... turn on no clipping ('tcl') and look just below the floor under them, say the bow hunter's bar right across the street from your front door.
Hey what's that chest down here? That good sir, is the store's inventory chest. Tag it in console, and do 'additem f 100000' 'additem f # - where # is 32767 minus the amount the store has, so you don't exceed 32k) - there ya go, he's not the richest merchant in history but you can sell a lot of low-end crap or a few high-end pieces.
Well, there's that weapon and armor vendor neighbor right next door. lemme give them the gift of mystery gold pixies, too. Keep going til you're satisfied you have enough nearby richie riches to sell to.
Now, just forget you did it, they earned that money with shrewd business and bad math at giving change.