my guess is they might add IRS-related quest in some further release. there is a specific dialog in the game about that. in that case money and stock market would actually work.
on the other hand, I won't like if it will be nerfed to the point where players would have to grind. just a little maybe, without those ridiculous drops to 1$ per stock, while those are absolutely unrelated to any world news or player's actions.
I feel like devs deliberately left stock market as it is for a player to avoid grind. If a player don't want to stream over and over, he can use other ways. but I agree, those mechanics can be better, consisted and depended. now they're more like mini-games undepended from the game's world