If majority of your site's pages have money keywords (in the title), Google could think that the site is optimized to target high search keywords, thus triggering over-optimization penalty?
Someone who doesn't care about SEO, would probably have many pages with non-money keywords, more natural.
I have one site, on which there are a lot of pages with non-money keywords in title, some of those are inner-linked site wide. Almost no search for those keywords. The site never got hit by Panda/Penguin.