
Dragon Quest IV gets special mention given its multiple parties up until the final chapter when they all converge into one team.
Frequent in Dragon Quest games, you often have to buy new equipment as well as leveling up just to survive. Even doing that game's equivalent of exploiting Vendor Trash and Money Spiders, which will if done right yield roughly 125K gil per encounter, it still takes hours upon hours upon hours of grinding to get enough gil.
And that's just one of your four equipment slots. To put this in perspective: A lvl30 sword will cost between 40K-60K gil. In Quickbattle, the maximum amount of gil you can get from an opponent-fighting a lvl100 opponent (worth base 1100 gil) on a gil bonus day (doubles that, so 2200 gil) while wearing a specific set of lvl30 gear (worn as a set, Gold equipment will increase gil earned by 50%, so 3300 gil) and taking up one accessory slot with a non-combat accessory (the Beckoning Cat, which cannot help you in a fight but will, among other things, increase gil earned by 20%) will yield 3990 gil per encounter.
In the prequel to Dissidia Final Fantasy, Duodecim, sweet fancy Moses will you be doing this. Especially the early ones, though Final Fantasy XII is a pretty bad offender as well. You'll still want to have a decent stock on hand, but you probably won't have to grind for them. Averted in Genesis - items are still important, but characters have more skills, reducing the need for damage items, and you're granted an ally with a powerful healing skill early in the game. If you're out of healing items or some such, you will probably need to do this in order to survive. The "item" command practically takes the place of the "ability" command, so you'll be using items a lot, and for many uses. if you aren't careful with your item management. Running out of resources in Age of Empires leads to sending all your villagers to farm/chop wood/mine/ etc. It's even worse in some games, because in those, if you kill an enemy with a Light Arrow, said enemy will reward you with 50 rupees (not a fortune, but still a lot of rupees). The Legend of Zelda: Phantom Hourglass and The Legend of Zelda: Spirit Tracks has plenty of Vendor Trash to sell for easy rupees.
Don't have enough money to continue onward? Better get back out into the field and grind for more money! The good news is that the job boards have plenty of elite monsters that give out big paydays if you can kill them. In order to progress through the main story, the player has to pay off part of this debt every so often.
Tales of Xillia 2 slams the player with a twenty million gald debt early on in the game. Sister trope of Level Grinding and Item Farming.