Right. I know it all depends on the GM. Everything depends on the GM. I'm trying to get a gauge of how most GM's do it, based on your actual characters' experiences.
For example in my current game I've told the players its a very generic Pathfinder-type world even though my setting is a homebrew. This means I'm running things right out of the core books and one of them even has Scribe Scroll. So far (2 levels and 7 game sessions) the players are solely relying on item drops and not using crafting or the ability to purchase from the local church.
In this instance the players either forgot about their ability to make scrolls or just don't really want to. Same with purchasing their own stuff. They've said though that they're saving some loot to the side for big stuff like a cloak or maybe a magic weapon.