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By the time you're earning enough gold that their static 20% gold find increase outweighs the loss to the skill, you should be doing way mmore damage with other attacks that don't cost gold.
Even on boss fights where the 50/50 half health skill would be nice, it's still a pain to get it to work.
Even once you attain shifters, merchant as one of your 2 classes means you lose a full accessory slot to get their 20% gold find. You can have more gold find plus item find with a vaan's magnet in that accessory slot.
Grinding gold isn't too hard in this game and once you enter the next dimension, you lose it anyways.
This would make merchant actually usefull!
Grinding gold is the ONLY thing in the end game.other than just uselessly watching your dungeon level go up. Guaranteeing gold from chests would be an increase to gold income beyond the gold per kill limit similar to having a thief to open all chests on bosses.
It's never a good idea to sacrifice an accessory slot by using a shifter for a second class.
Knight is the only class to replace with a shifter because knight is needed just to avoid ambushes and traps and has no 2nd accessory to begin with so may as well shifter with him.
If they changed merchant this way, it'd be better to use either a merchant or thief in 4th slot and shifter the other into knight for 5th slot. Use the extra accessory for a ring of triumph to gain more caps per boss.