I'm quite interested in the idea of deferring gold loot to chests and/or migrating gold loot to different maps on a cyclical basis (as has been suggested). No timeframe on this yet.
As for why things are done the way they've been done, I wanted to deal with gold loot right now with this first iteration so a simple change felt more appropriate in contrast to adding a lot of loot complexity.
To answer your literal question from a play perspective: the big downside of dropping gold chests is/will be the inventory space they'll take up - forcing you to clear out all the gold crates every couple of maps - but, again, it's not a bad idea overall and I'm going to look into it as a potential method for the very near future.
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