So... what exactly do you consider to be "rules?" For example, there's a whole section with rules for randomly generated treasure. Do you have to roll on those tables for every single encounter, and hand out exactly and only what is rolled, in order to be "following the rules?" Is it breaking the rules to customize the treasure in a monster's lair?
For individual creatures? Yes. Absolutely. Every single breathing creature has a type of treasure on them. Now, it's not always coins. The DMG lets me choose whether the treasure comes in the form of coins or other wealth types.
Now, you may think it odd that a farmer
might have platinum on them. Well, the way I play it, it's usually that they have the coin's worth in trade goods. A miner may be carrying 4lbs of silver they're lugging rather than 2pp. The farmer would likely have a cart and animal pushing 200lbs of wheat than 2gp.
The treasure table isn't an equal percentage rate, either. At CR0-4, you have a 30% chance of a couple of copper, 30% chance of silver, 10% chance of electrum, 15% chance of gold, and 5% chance of platinum. Fighting every creature they come across, then, may be too much trouble than it's worth. The players are free to be murderhobos in my games so long as the group agrees to it unanimously. If not, I'll cut their behavior out-of-character.
Treasure hoards are different for a couple of reasons. One is that it relies on me to decide exactly where or when they come to play. Players can come to expect treasure from all characters but they don't know when to expect treasure hoards, which is the only real good way to get significant treasure. I place them judicially, though.
I do roll on the table, though. Interestingly enough, they don't pull specifics from the +weapons&armors or spellscrolls, so I still have a degree of choice in what I put in. I'm free to add ribbons to my magic items and I often do, something to help make the item not stick out too much without a decent explanation.
It works fairly well. There's a few moments where the players wonder what a dragonbane sword is doing in the dragon keep. Now that I think about it, he could have kept it to keep it out of the hands of his enemies.