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I don't really think need before greed stops at a certain plat value. That's kind of stupid. From the perspective of a Warrior, I can't farm plat worth a damn, but several other classes can. Paying 7k for a Yak or 15k for an FBSS is a tall order when your main is a Warrior and you can't play 40 hours a week.
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There are many many ways to earn plat that don't involve killing HGs or winning rolls on loot.
Get creative, next time you feel frustrated with the amount of plat you aren't making, take the time to figure out a way to make it. Look at what people are buying, browse allakhazam/eqtraders and brainstorm, find a niche, diversify your market so that your existence does not hinge on any one thing, build on your strengths and work with others to fill out your weaknesses.
I had made 2k and mastered most tradeskills by level 16, all while helping people lower than me afford their basics and outfit themselves. I'm terrible at EC and haggling. I had others do my selling, cut them shares while I went out finding new deals and items of value. Become a part of a flow, spend some make more.