It be seemin dat most be in agreement dat it be de Crafter/Diggers wot gots de extra dubloonies, an not de Fighter/Mages. So any solution gots to leave de latter outta it, lest dey be unfairly gimped (rare it be fer a pure Fighter/Caster to haf a true surplus o' coin...or mucus drops, or wotever it be we use fer cash.)
I be mostly a Digger/Crafter meself, an I been hoverin aroun 100 million fer a few months now, +/- 5mil. I spends summa dat on grind mats (tho I ain gonna pay more den +100% markup on dem, no matter how annoyed I git wit diggin), de rest I tends to give away, as it ain rilly werth much atm. Mebbe Outposts will change dat, but dat's gonna be a cross-de-board sweep wots gonna affect every branch. Lotta it gonna be soaked by yer money heavy folk in yer guild, but iffin a level 200 or so digger wants, gittin aroun 10 mil a day be doable, iffin dat's all ya wants to do.
Ain nuthin wrong wit accumilatin' wealth as it's own goal on Atys. It ain like Earth, whar iffin ya do such, ya gotta cost folks thar income/security/health/ or e'en lives to do such. On our planet, iffin bein fithy rich be yer personal measure o' power/succes, den may ya achieve greatness in yer own eyes, an more power to ya !
However: Iffin it do be needful to rebalance de economy, one ting wot would fix de "problem" an not hurt de Fighters nor Casters atall wuld be workshops.
Bought fer a one-time fee like appartments, and "furnished" with workstations chosen by de player and paid for on an individual-like basis, so iffin yer just into craftin heavy/medium armor, ya just buys yerself de forge-werks, but fer all armor, ya git yerself forge plus sewin' table, etc. Dese workstations degrade just like our craftin tools do, an ya gotta replace dem, but dey gonna cost ya, prolly aroun 100k per piece would be a good base price (so buyin wit fame 0= 200k).
Nuthin wuld change wit craft grindin, ya still use yer tools to level yer chosen path(s), but yer werkshop gives ya an important option: Just like in RL, ya takes yer time (say a base ten mins real time, or 1 min per ten levels o' quality,Q250= 25mins, either way) an ya does a rilly good job. I've (in RL) werked as a Cabineters assistant, Smith, Graphic Artist, an sundry other occupational-type pursuits whar ya only do de most basic, simple stuff on-site, de rest ya repair to yer shop, an werk on it thar. Takin' 20, so to speak.
So, wit workshops, only those wit extra lucra gonna pay, dey ain harmed iffin dey don' wanna pay, but dey gits a bonus iffin dey do, buy spendin thar munnies, an takin thar time, dey kin be sher dat dem 33 Q250 supreme mats dey haf painstakinly aquired do indeed result inna Q250 burnin sword. It ain exploitable, cuz ain nobody gonna use it to grind (avg o' aroun 25% xp every 2 seconds still beats de abyss outta 100% xp every 10-25 mins) and it ain gonna tick nobody orf.
Jus me 2 daps.....got's plenny more.