Wow...
You sure go a long way to lobby for your 3x bodkins and jetpony
As a new player myself, money just ceased to be an issue roughly a week or so after I started playing. And unless you are a clueless idiot, managing your gold should not be a problem.
Character customization in all it's glory, but managing your gold is as much part of the game as anything else. The game gives you certain limitations, gold is one of them. Deal with it.
Besides, if there weren't inequalities in the economical status of the players, the battlefield would be a lot less diverse. Having one or two guys on the opposing team with full plate and the heaviest weapons doesn't really affect you that much, but if the entire playerbase was given access to the heaviest weapons/armor constantly... Figure it out for yourself.
Also, if there is anything this game gives you it's options. If you don't want to grind, you really don't have to at all. You can just stf, use a reasonable amount of gear and that's it. No "grind" at all (because I wouldn't call the period of leveling up from 1-mid 20's a grind, being a peasant is also part of the game imo.)
If you really can't enjoy the game without constantly having access to your three stacks of +3 bodkins and supercharged horsie, then that is, tbh, your problem and not mine. Here once again you have several options, if you want your high-end gear so bad, you can grind for it. Or sell your looms. Or you can just lower your equipment cost. Or you can make an effort to organize your team/get better at the game and win more for higher multi's. ...Point being, you have a bunch of options aside from your hopeless struggle here on the forums.
And if you want to beat that fully loomed tincan, just grab a mace and kick his ass in melee. (satisfaction guaranteed!) If you feel this is too hard due to stat differences, then chadz has given you this handy little "respec" button to play with. Or you can be a f@g and just kite him to death
Maybe you don't want to (for whatever reason), but the option exists.