I had posted earlier, but I deleted it as to not appear
overly cantankerous... but still, the vibe I was getting from the initial "point" is: "valuable and atmospherically coherent RP items are a waste of money when they do not also kick ass."
Well, even if we discount "RP-wealth", we actually have a 30% buffer for just those kind of items, because one is
not supposed to get power gear, custom tailored to the character, on each slot. DMs are encouraged and expected to give characters interesting rewards instead of helping people achieve "builds" - that does not mean denying them critical assets, but it means that DMs will weigh your relative gear effectiveness as well as your wealth level. This is where Jayde cleverly teased by stating
JaydeMook wrote:But HEY! At least you cleared up 4950 in extraneous wealth
, since, of course, you have no real control over wealth acquisition or its power ratio. Should a player manage to get that kind of control, it will then either be a matter of DM training, or we can divide current wealth allowances by 1.3 and let everoyne pursue their power gear to their heart's content. I say pursue, because another misconception seems at times prevalent: That that people somehow are "entitled" to the wealth stated as normal in our definitions.
True, DMs have guidelines to gently nudge the awards either direction, proactively, depending on your relative position, but if you sell that ruby for 50gp... no DM is in any way bound to compensate for those 4950 "lost" gp. In fact I would wager that if those 5000gp were not a ruby but a custom-tailored mithril rapier reward the DM put a bit of thought into and that neatly fits your character, the DM might be quite disinclined to feel much urge for compensation at all.
In any case, a 1:1 PnP wealth and efficiency-driven game would seem far more boring to me. The game world, and rewards, would lose all of their magic and wonder, as DMs will lose a lot of creator's and creative fun for thinking up interesting and clever rewards. Try to honour their effort, and the RP and story / atmosphere focus of this game world, by cherishing other aspects of your gear apart from combat efficiency. It may even help you translate those assets into something else that is "effective" - fun and entertainment for yourself and others.
You're not in a competition here. Not for gear prowess, levels and experience points anyway

.
Cheers,