For 5x I really only find this true while leveling. Once you get a couple of dungeons on your farm list, I make far more than I can possibly spend. As a solo player, I would have to play the luck game on drops, as a team of my own, every green/blue/purple, every lockbox, all the cloth, all the garbage, all the ore/herb nodes, all the leather is 100% mine to do with as I see fit.
Sure, it hurts for a bit seeing repairs running me a couple hundred gold {all plate and chain, ow} but I'm still throwing a couple thousand gold per toon in the bank every few days, so it doesn't hurt that much.
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