Suggestion: to avoid having to rebalance gold drops throughout the game, instead of changing the initial party gold, why not just re-tune some of the costs? E.g., make the early inn, class changes, and early potions cheaper.
The action/cost economy for magic users early game needs tuning too. Being unable to cast a spell more than once before needing to use an MP item is pretty unfriendly. If MP is prohibitive, you'll see people using physical classes more, as they offer more damage/turn when factoring in all the maintenance incurred by MP refills and having inferior gear.
The reason I don't want to make the classes cheap is because I don't want a lot of early game switching. You could just rapidly class change to every class to get all the different level 1 skills.
I could knock the inn down to 20 and the potions down to like . . . 15, maybe. You can get 20 potions from the dojo though.
You might be right about early magic users, but you also have to factor in the rest of the game. I think they're pretty good later on.