pull down to refresh

I can't stop thinking about it. When I go to clear out a cave in Skyrim I always find the troll the spider some version of some enemy with gold. I ask myself how did they get this gold.? Is there someone in the cities that goes to and fro to have commerce with underworld. If so what would this market look like. Would it be trade based or commodity based. Sometimes in these caves I can find upwards of 100 gold I can also find individuals with upwards of 20 gold on them. Assuming they live paycheck to paycheck this is a moderate size of money they're carrying around from week to week. It tells me that the trade is doing well. Am I completely psychotic for constantly thinking about this? Does anybody else thought about this or done any research or have any links that I can find?