[RPG] What does a horse need to carry your things

The default set of dice used by Pathfinder (or D&D, as you mentioned in the question body, they use the same) would be:

• a 4 sided die
• a 6 sided die
• an 8 sided die
• a 10 sided die
• a 12 sided die
• a 20 sided die
• a 10 sided die numbered 00, 10, 20, 30, 40, 50, 60, 70, 80, 90

A basic set (as you could buy in a store) includes one of each, although most players prefer to have some extra 6 and 20 sided dice because they tend to be used a bit more.

Ahhh, the good old loot debacle.

Let's face it bluntly, this isn't entirely a gm problem, but a group problem also. Why? Let me explain:

Issue 1 - The GM

First of all, loot is handed out by the GM. In his list of choice there is not much that would benefit you much it seems from your elaboration, but some general items (Bag of holding!) would greatly offset your low carrying capacity and at least allow you to take some of the valuables with you... which brings us to the other issue, the one you don't ask about:

Issue 2 - the group

Loot distribution is the other, maybe bigger problem. And this, is a group dynamic thing. As you describe it, the GM throws out a bag of grain. The group decides what to do with it - mill it and distribute. Bad luck that you are gluten intolerant, and neither grain for gruel nor flour for bread is helping you. But then comes the really problematic part: When you are standing in front of the pile of flour, you don't even get to to grab "your share" as the others fill their buckets first and you don't even get to keep some to exchange into rice or corn. The result? A hungry (vastly undergeared) oracle that has to come by only with the leveled abilities (spellcasting) and cope with a curse that (without the information which you took - some are more equal than others) could be a real spanner in the works (clouded vision) or just a very circumstantial problem (haunted).

What to do?!

First of all: Go into the initiative! You know what your character is like, you know what you might want. So, write a wishlist, based on a) the average wealth of all the other characters and b) the average wealth a starting character of your level should have (lvl 5: 10,500 gp). Now, What to do?! Here comes the FUN^TM part taking actual action. And yes, having to claw the fun out of this is hardcore to Dwarf Fortress. It is not a fast route. But, if you are deeply into roleplaying - not rollplaying - you can have your fun with this!

The FUN^TM route

I admit, this is not for everyone. It is a real hardcore way. It requires effort, it demands being stoic in the face of adversaries. It demands attacking the problem like one plays Dwarf Fortress: with undying patience and making the bad situation enjoyable even - or even better - because it lasts. Carve your way to it armed with the only thing left on the oracle, the only thing that can't be tarnished by lack of gear: good roleplay! Earn your Fun!^{TV-Tropes warning!}

Take the seemingly IC problem (we know it is OOC!) where it at first glance doesn't belong: IC! Play it out! Make your oracle speak up about the problem in-character as they walk along in rags while the others wear shiny new armor.

When packing for the next day after a rest, humbly complain about the weight of your gear but don't force yourself on the others. When resting, clean the little gear and mention it being worn out as you fix holes in your armor and chip the rust off your trusty crossbow. When preparing for a fight or looting after, ask them how you can help better as you can not see how your humble crossbow could do any damage against these monsters. When fighting, mention your cruel fate to have none of the items that would perfectly help this situation (remember: wishlist!) but only your trusty crossbow which not even grazes the monsters anymore. When in town, try to make some money with your profession/performance/craft skills and oracle talents to try to help gain some of the money that the others got in loot. When loot is up for sharing again, ask why you didn't even/only get the scraps of the pile. When passing by a shop, ask for the price of an item on your wishlist... and then search your pockets and sigh longingly as you can not even pay for it even by selling your last shirt. When paying for the inn or meals, look anxious about the price and ask for a cheaper spot as you scratch together the money for the stay.

Mind you, to make it your fun, don't diminish the fun of the others! Don't overdo it!

Finally, after some time of doing this IC stuff (and probably 1 or 2 levels), and to hammer the message home if they still haven't got it: When halting in an inn, offer the other players to leave them behind as the oracle might feel that it bogs them down in their quest.

If they don't immediately try to fix it, your character asks to be left behind: be hard. Follow suit to what your character said. Stand up, bow and tell the players and GM as a fellow player that it has been fun to play the character, but the party has outgrown him/her so much that you feel you need to make a new character and leave to roll that up/build that. If the GM has it under control as they claim, they should have fixed the issue long before that point by dropping gear to get you up to wealth that the others don't need. And the other players should have taken the clues and helped him in this by taking steps to gear up the oracle to similar wealth to theirs.

But mind you: make it your (and to a lesser bit also their) fun to achieve a what you want.

The "Take it to the players" route

Or take it to the table directly: talk OOCly about how you see that the lack of anything substantial to help the others PCs on your oracle bogs the party down. Mention that you saw your crossbow bolts being not even a distraction anymore. Have the other players account your characters wealth (or lack thereof) for themselves. Ask them how you are supposed to get any of the loot but some small gold coins left to get any better gear if they all have first dibs on anything and never allow you to pick anything. You are not a monk with a vow of poverty after all! Maybe this rebuttal can make the players share the party wealth more evenly, or help you get you onto the loot train.

The "Ask the GM again" route

But, that is not all! You shouldn't try the player route (OR for the matter the beggar-play one!) before you at least have given the GM another try at this. Wait for the next loot drop (maybe that random item he promised isn't as random as they claimed but some oracle only gear!).

Then approach them after the next session. Give them a copy of your oracle to look over with a comment like "I would like to talk about my character and its role in the group as something seems to be wrong with it." Allow them to look your character sheet over for some minutes to spot some problems themselves. Maybe they bring it up on their own now, maybe they know how to better use the features you already have.

With this, you should have opened the door for some talk at least. Talk about what you feel is wrong, mention how your character can't impact the combats in a noticeable way anymore. Point out that in the last encounters none of the loot on the pile came through to you but don't accuse the GM of not trying to drop loot for you. Point out that when looting, the others ninja away even breadcrumbs like a bag of holding, that would even allow you to take away any loot. If they tell you that the next shopkeeper might have what you need, point at the almost empty wealth box and ask "With what shall I pay him? The others don't even leave me money."

^{I never thought I would have to explain FUN(TM): It is an euphemism that comes from Dwarf Fortress. It means: "sometimes you have to claw the 'fun' out of the stinking guts of a dead elder beast and lose several well set up dwarven strongholds on the way to it." It means (sometimes) "losing is fun" (of a special kind). If you boil it and think over it, then you might realize that it means "Fun is, what you make from it. If the GM and group serve you carp, make fish stew. If they serve you crap, become a farmer."}