In larger RiotGear groups, the money limitation adds an additional layer of fun and strategy that can help shift the tide between rounds. Having the money requirements also presents some possibilities for outside the box thinking when it comes to depriving the other team of resources and collecting extra for yourself/your own team.
On the other hand, if you and just one or two other friends want to play RiotGear then having some of the items blocked behind fund requirements does take out some of the fun and limits what you'll have access to unless you decide to go into a multi-hour long marathon RiotGear session.
I think being able to pick between a free for all or classic mode would be a very nice addition.