So a bit back, there was a change to the matrix that changed what sort of loot dropped from Yellow Named mobs.
Originally you could find things like Rings, Belts, Necklaces, ect from them that had a variety of random enchantments and sometimes runes. Sometimes you could find very powerful objects this way, most of the time, it was either gear to give to starting out adventerers, or just money from selling to vendors.
Then they changed it to where you don't really get these items anymore. Now >IF< you get an item from a Yellow Mob, you don't very often seem to get a magic item, you can a random loot matrix item that.. well.. is even less useful than the items you used to get?
I started up a brand new character, took them to Cordor, and have leveled them from level 3 to 9 so far, just doing writs basically in order, no major grinding.
I've killed probably a dozen yellow named enemies in total, and found a belt that was somewhat usable (Con/Charisma and a rune) and a buncha junk items like a pair of bracers that give you a situational +2 Deflection AC vs slashing, or a +2 Sickle. That's assuming the Yellow Mobs even dropped an item, more often than not they seemed to just drop nothing at all.
In the past when you made a brand new character, you could kill a buncha yellow mobs in your first 10 levels and find some starting magic items to fill out your different slots so that you had something, they were almost never ideal items, but that was fine, they were starting items and had their uses, and were a small boon of gold if you needed it or didn't have a friend that needed the item / wasn't good for you.
This character I made in question got to level 8 from level 3, and found one item (The belt mentioned) That had any value. Between Yellow mobs not dropping anything at all and the items I did get being completely useless, by level 8 I had very little money because I was not getting items I could sell to the merchant (Because I also happened to pick a character class that didn't just get a big boost in lockpicking, so bashing chests means I get 40-100 gold, whoo) and my only magic item I had was the belt I found. My Cloak, Boots, Hands, Rings and Amulet slot was empty, and thankfully I took the gift of crafting to get my blacksmithing skill high enough to craft myself a Standard Steel weapon, armor and helmet so those slots weren't barebones too. I eventually broke down and spent over half my money to make a set of +1 attribute armor pieces for all of these slots just to have -something- in those slots.
That's even assuming you get the Yellow Named Monsters to spawn, because sometimes you can go massive swaths of time without them spawning. My character cleared the Cordor Crypt writ and didn't run into a single yellow tagged mob.
Honestly, I'm not certain if the intended change for this loot matrix change was to make things harder for Starting players or not, but I've certainly found myself struggling more on this brand new character to make progress than I have on pervious characters, thankfully this is not my first character. So I have a fair bit of OOC knowledge that I can use to fill the gaps somewhat well, but it still feels unsatisfying.
Maybe other people have had better experiences with the loot matrix change, but so far I cannot say it's made things feel better overall.