At some point it’s just obsessive and evidence if mental unhealth. That or often more likely, RMT.
But as for OPs question, it’s subjective. Personally I think a player is rich when they can afford all the trade’able and popular MQ items they need for their main and an alt whilst sharing one manastone, circlet of shadow and holgresh elder beads or being able to buy them if so desired. So somewhere net worth in the range of about 2-5m pp.
Any one character outside or legacy items and Epic MQ rarely needs more than 1m plat however.
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