Has Anyone Ever Not Had Enough Money or Eridium?

Both of these resources feel unlimited. I haven't had a single instance where I had to make a real choice on whether spending them was a good idea. It's always like "would you like to spend 80 of your 40,000 Eridium to transfer a firmware which you'll only need to do a handful of times for your character?". And you likely picked up a few thousand Eridium while you farmed for the item you wanted to transfer firmware to. Why does the game track these resources at all? I'm far more concerned about consuming the item with the firmware I want transferred than the minuscule Eridium cost to transfer it. If we're going to collect resources like this, there should be a repeatable endgame use for them, like re-rolling legendaries. Implementing a currency that does essentially nothing just because other RPGs have currencies is silly.