The cost of heavy armor has be noted as being put of line for a long time. Not an issue with druid or medium armor. If anything they are probably double of what they should be.
I figured that 75 gold has to cover, living expenses, any tools/ healing kits(druid start with herbalism kit proficiency but not the kit it self), consumables, transportation fees, and who knows what else. A few bad rolls and maybe the party is pooling gold to revive a party member or a NPC they failed to protect. it's just fair if you're going to assume the druid has an upgrade than the pseudo heavy armor wearer should have splint.
Lv 2 is a strong point I druid because like wizards they get a subclass. Forget moon druid, shepherd is the king of lv 2.
you keep coming back to wild shapes is the issue but the armor will have zero effect on it. It's like if I think fireballs too powerful so I take away mage armor.