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Because of K.I.S.S.
Coins of Tamriel - https://www.nexusmods.com/skyrim/mods/51871
and this, which just adds some ancient coins:
Skyrim Coin Replacer Redux - https://www.nexusmods.com/skyrim/mods/48195
way, way back before the invention of ha'pennies, groats, farthings, etc... there was only ONE denomination of coin and to give the customer change the shopkeeper would physically cut the coin down.
Bearing this in mind, it's no surprise that most established game series just stick with the currency they currently have, and quite a few new ones too for that matter just have gold.
and i also ask for 2 variants of gameplay the standard one which just use septims we already have and complicated currency which use the copper/silver/gold or whatever bethesda can think of to have something similar to that
But why, in the end it's just a number of money you have. If you want bronze and silver coins, just find a mod for it, it probably exists. But still, the only thing it does, is put a few extra lines of space in your inventory, it's useless and no one really cares about it. If there is no such mod and you want a mod for it, just make it yourself dude.
the NPC's can easily be bargained with is the speech is high enough with the right perks so the amount of money is different
Also, I already listed a mod that can be installed that changes this, in my very first reply, so I don't really see the point in discussing why this wasn't included. It's a design choice - and one which is made and done in exactly the same manner in the overwhelming majority of games that have money in them.