Are you an archer?
I dont seem to have problems with my 23K equiped 2h.  But with my 13k equiped archer I bleed money.
Arrows break near every round.  And at 350 something a piece thats a lose about 4/5 rounds of 700g.  Now factor in a longbow breaking ever 1/5 rounds for 700g as well.  Its normal for me to just bleed money.  I constantly find myself just playing with a dagger till I get to 5kg, then start archering again. (BTW im at 163 WPF).
If your playing melee I have no idea, it shouldnt be that bad.  If your an archer, just get a big reserve or only use bow when you got atleast x3 or x4.