Danku said:
If it is intentional, so be it. I would prefer that higher end guilds make their monies at their own level, but this game is not my vision it is Wiz's and he does pretty damned good.
I don't want to sound angry when I say this, but you just made an extremely ignorant statement, considering that your experience in the high-end is limited at best. Firstly, there is one zone that can be farmed effectively only by tier 5+ guilds, and that's First Ruins. I'd also argue that with a skilled group of players wielding only droppable/low raid gear this is possible. Considering that FR has been farmed to the teeth by good ol' Zhak, gear from the zone is incredibly abundant and cheap.
Second, the only way for people to realistically farm money for a charm or tailored items (excluding doing tradeskills) is to get a group together (or in rare cases a duo) and go farm a named with droppable loot, and then sell it. (Exceptions to this include Highkeep and First Ruins, who have multiple nameds with multiple loot chances). With more and more mobs having their loot become nodrop (As was the case with Plaguefang, Fluxator, and others), higher tiered characters like myself have been bottlenecked into farming stuff that has droppable gear. Since there are maybe two or three named mobs at tiers 1-2, it's a very farmed market.
Third, since money drops have become nearly nonexistant compared to the past, we are almost required to farm items. Aisling used to farm cyclops gorge daily, and pull 5K out of there in only a couple hours. Now that raw plat drops have been nerfed into oblivion, it's insanely difficult to make a substantial amount of money quickly. The only zone I know of in the game that can drop an insane amount of platinum per kill is Prison, which you (usually) need a raid for. Thus, making farming the mobs for their cash drops null and void (unless everyone passes and gives the money to you, which is unlikely).
A solution to your farming problem would be to up cash drops considerably, to what they were before nerfs (i.e. around the time relics were made no-drop). I'm talking about exclusive and out of the way farm spots like the giants in Sea of Swords. They used to drop diamonds and 60+ platinum per kill, and now drop gems like malachite and less than 5 platinum. That, I believe, would solve the problem of overfarming of items, and keep droppable raid gear for the people who actually want to raid the mobs that drop it.