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#3
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It's all about inflation proofing your wealth.
Think of a high end item that's definitely not going to see an upgrade for Velious and will be extremely useful. It'll be better to buy that 20k/30k/50k/whatever item with your stash than to have the same amount sat in the bank. 50k is still 50k in the bank. 50k might turn into 80-100k if the ridiculous amount of stored plat re-enters the economy and pushes prices up. There's a lot of people on a break waiting for Velious, believe me they'll want some items when they get back here.
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