There are a lot of smaller games on the PC that focus on dynamic economic simulations within an open world. One of the best example is the X3 series from Egosoft. It's a truly living, dynamic economy that the player can influence. Elite Dangerous features a fully dynamic and player influenced economy too. That's on the PC and is coming to the Xbox One later this year.
Your average open world game isn't going to focus on a real economic simulation as it's often pretty involved and too complicated to add anything to the game. A game like GTA would not benefit at all from a working economic simulation. It would be more of a distraction.
Most open world games use currency as a way to limit progression of the player. Unless the player spends time going out of their way to accumulate currency, it acts as a limiting factor forcing the player to make choices on how they play. IT prevents players from massing all of the biggest weapons early on and steamrolling through the entire game. It's more of a difficulty thing than anything.
GTA 5 is an interesting situation as they give you all of the cash you need to unlock all of the weapons and have plenty of ammo very early on. It's more post-story content than anything. With GTA the "economy" is really just a progression meter. It's the same as unlocking new stuff at a higher score.
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