youre suggesting its easier to get 30k by some new players than reach lvl 5 by each of them? not very smart. It should cost cash not by some quest. A base is an expense that you buy your security for.
The money for base system is the consequences of lack of game content. I will explain it.
In post apo world, there will not exist something like money/currency, because only valuable things have their value. If you have at least highschool education, you know the history of currency. First was salt, because it is neccesary for human being and in the middle of Europe there is not sea.. Then it was replaced by expensives metals, like silver, gold, or by spice, and later, by money in current form.
In post apo world, there is not any bank, emiting the money, there is not need for papers or coins without price. There can be value in expensive metals, if the society is existing and growing, but if not (The road - book, or The road - movie), this is priceless too.
In Fallout, creators need to make game similar to other (fantasy) rpg and need to balance it. So they implemented global currency, bottle caps, this was their artistic license. But it is only because of you need to spend your value in other place in other time.
In real post apo world, there will be more natural, that you will find yourself your home or you will build it. There is no industrial branch of this kind.
So i think, that is more natural ingame to make a part of friends, one will be scout (high outdoorman) and maybe he will need also speech to talk with more experienced NPC scout, who will give him some his experiences (thru perk). So scout, and his friends will take their basic guns, equipment and they will try to find they home (cave). If they will find the adequate one, they will need first clean it up, by their combat skills, then repair old broken generator (repair skill) and then set up computer (science skill). Of course, they will need some basic resources, like junk, el. parts, metal parts, wood. This will be too heavy to take it alone, so better will be to find first brahmin or buy caravan. And if they will colect this, they should use it on the generator (metal parts), computer (el. parts), brahmin pound (wood),.. with their separate skills. If they will have everything ready, they will just bring some fuel to generator (like flamer fuel, mfc, secells,..) and they will turn on computer and create their own gang. Done. The map should be almost the same like is current cave map. The same will be after creating the base, little different will be before.. broken computer, no brahmin pound, enemies there ... .
This, my friends, will be kind of collective quest, journey. You can do it with your friends, or maybe alone, if you have enough level (speech, outdoorsman, repair, science, combat ability).
And current way? If you have money, you need to create 3 new alts and give him money. It is done after 1 minute after you will enter the city. Hurray, so big barrier...
If you dont have, you are selling your crafted things (mostly things that nobody wants, they are only good because of their value in NPC shops-- like was abusing with trowing knives, etc,..).
In my point of view, more entertaining is my idea about finding and creating your first base.
P.S.: Vedaras, i have noticed that you have always standing opposing ideas to my ideas. Maybe you have complex from me. Find yourself a girl, it will 100% helps you.