I seem to be in the same boat as most people.

I have decent (not amazing by any standard) income, but my expenses are not massively high even if I am currently the sole bread winner in the house hold with my fiance staying home with the kid, so I'm left with a bit of disposable income at the end of the month to spend on multiboxing. As long as there are no massive unexpected expenses, I'm fine paying for my accounts with real life money.

I did farm gold previously, but I have limited time to play so I'd rather spend it playing rather than farming although I do do it every now and then while watching a movie or when it's just completely broken like at the opening of Antorus. All the gold goes towards tokens and some ingame goodies like mounts.

I really don't see how people tend to believe multiboxing is so expensive. 5 accounts, which is still the most common amount I believe, is very easy to afford for anyone with a half-way decent job in the western world. At the most expensive option it would be 65€ a month... That's like buying one console game per month. Or a meal for 2 at an OK restaurant. Or a gym subscription and supplements for a month... Not to mention quite a lot of people would not blink an eye at spending that on a night out drinking at a bar.