It's definitely possible without RMT or exploits, but not an easy thing to do and would take time.
First: Acquire a high-level item somehow (either farm a fungi or just farm or tunnelquest until you are rich).
After that, there's a few methods:
1. Buy several high-demand items that are chargable and useful (like the bind clicky or puppet strings). Sell charges of them
2. Buy high-end items low, re-sell them.
3. Hoard items that drop before they no longer drop (i.e. seaworthy planks, pre-nerf circlet of shadow, holgresh beads) on as many chars as you can, wait a while, sell them.
If someone has been doing it for 7 years, it's definitely possible. Obviously not easy, but not impossible.
But, most likely, it was a guild bank.
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