Especially when, I'm playing hardmode on medium or whatever, and I have tens of thousands of caps. You can't even sell a bar properly, it just becomes a medium of barter. Maybe three or so bars will set a courier for a good damn while at level...I tend to do Dead Money at...35 or so, yea, HH, DM, OWB, LR, 30, 35, 40, 45.... and by that point I'm mostly set in weapons, caps, and consumables.
There's no reason to try to hog two dozen (IIRC) bars, other than some sense of greed or vanity. Yet players try and try.