I'm relatively new here (mostly observing for couple of weeks) so forgive me if it was mentioned somewhere but I would like to suggest (and discuss your opinions in that matter):
Removing money (as it is now) from the game.
In my opinion, having modern-world currency in a post-apocalyptic setting is both unrealistic and a grand mood-killer. It doesn't make no sense since there is no central government to produce them (and enforce laws of they right usage) and they are of no use to people living on the edge of starvation/freezing to death/becoming dogman's meal.
Later in-game it also kills survival mood, when one have 25k on his (non-existing) bank account (anyone remember later parts of Fallout 2, literary thousands of $$ to spend on whatever player wanted?).
Barter is as good as it should get, outside of big cities, of course. Inside, they can have money for they own needs but since only selected few can gain access inside, giving them to outsiders would be pointless (finding some on a random looter would be cool and story-tellingly interesting).
And if we have to have money, make it a steal-able, room occupying item - and a fire-feed while we at it:D.