"The ammo is scarce. You will lose more ammo than gain so you will have to buy it most of the time which it is pretty expensive to buy. You can only hold $500 which is a pain because I usually like to save up money when I need it the most. Like if I needed health packs and ammo the most I will be guaranteed to be able to afford it. It is just me probably but I wish you could hold $1000 because everything is expensive in this game. It is not a big deal at all though. It is a small problem."
I actually thought this was a strength of the game...kind of built up the survival aspect of the game and fit in with the environment......that you're actually in a decaying society. It also depends on which weapons you use. For example, the cross bow weapon, which I used the most, especially on the survival diffciulty, allows you retrieve your ammo.
Overall, one of my favorite games this generations.