Guild Wars 2

Gold is good for getting stuff on the trading post. Exotic armors/weapons, runes/sigils, materials for crafting if you want to craft. That and cultural armor, if you care for that sort of thing.

It’s not clear exactly how independent the gem/gold market is, but you’re right in that it’s probably not going to go down much. Maybe a bit, depending on whether the next few updates have any gem store items.

Gems buy you too little at the moment.