So... if someone has a 20/1 score, then it's DEFINITELY because of his items, and not cause of his skill, hey ?
Has it ever occured to you, that "old" players also have more refined skills than new ones, and that it's, probably, the main reason they can top the scoreboard.
I can use a 40k gear without loosing money, and while still having good stats. (even though i'm a rambo archer who loves going into melee, just like my master, Tenne)
If one thing is wrong, it's the mentality of the market place, or how to sell one loompoint for 450k and be in heavy gear for 2 all other generations.
Upkeep is too low to deal with some very-rich-and-abusing-it-people. But at least, it's better to have a few known "banks", than just everyone in plated gear.