I have too much gold and nothing to do with it

There’s already a whole thread dedicated to showing your “riches”…

Settlement Showcase - Share your creations!

…other than that, it’s still early access. Surely you realize there is more to come? It’s pretty much a given that at some point you’re gunna have plenty of things to throw your money at. Let 'em work - there’s a whole 'nuther tier they have to add to the game yet plus who knows what else they may decide to cram in after that.

Naturally you can always spitball ideas and you might get lucky and see something you suggested sneak in - wouldn’t be the first time Crate has added user ideas into one of their games. Won’t be the last either, I’m sure.