Maybe I'm just too casual for inferno? Back in the day when I could spend hours playing on a daily basis, I could probably do what you describe and enjoy it. As it is, when I only have a couple of hours at a time to play, I'd rather spend that time trying to beat the game than farming easy content.
I think I would just prefer a different mechanic to promote better gearing. Either make the mobs difficult (which they seem to be already), or make it so you can't skip everything and go straight to the boss (I think this was why repair costs were increased in the first place), or buff bosses (which it seems they already did with the enrage business). It seems like these are better ways to promote people to "Gear up" than taking away gold.
It's weird but repair costs just seem like a very un-fun way to promote farming. I prefer the carrot to the stick.