Because I do not want to race on who rolls Investigation the fastest every room and every fight. This is a coop game dammit.

My current rogue started out sharing loot fairly but it's become a running joke that she stashes so much she jingles when she walks. To be fair, half of the party actively don't want money and she'll share when asked (if she can't get the five-finger discount on whatever the party's trying to acquire) so essentially she's acting as the party bank.