Level 1 characters don't need a money sink, they already have one.
This and your other posts...I shake my head at how you and I are of the same species...
READ, and UNDERSTAND the WORDS, for their MEANING, and then comprehend the end result AS A WHOLE:
If you use gear with a TOTAL value UNDER 25k, you will make money.
If you use gear with a TOTAL value exceeding 25k, you will see the following: 25-30k gear, you might break even, as you push the TOTAL value upwards, you will start to lose more and more money.
This loss of money is INDEPENDANT from your level, your generation, the size of your penis, everything.
THE ONLY THING that can affect how much you make, or lose, is your current multiplier. If you ARE wearing gear over 30k total worth, you should be doing so because you are competent and confidant enough that you are going to secure the victory for your team, thus gaining you a multiplier and ensuring you have a larger income for the time you spend in expensive gear.
LEVEL 1's are NEVER going to be affected by upkeep, because at level 1 you do NOT have the STRENGH or AGILITY needed to use any expenive gear at any rate.
IF as you level up your first gen, you buy gear that will not make you any money, or infact will lose you money, YOU SHOULD NOT USE IT. It wont make you a better player, or a more effective one, the only thing that will happen is players will target you, because you are a threat, or rather, you appear to be threat. Once you have reached retirement age, and you are convinced wearing super expensive gear, you can simply sell your heirloom point. This will give you time to wear that gear, without running out of cash.
That isnt the path I would take, nor anyone who enjoys the game for it's combat system or progression, but many do that. This WILL mean that your secong generation you will be shot. A lot. By archers who, like in reality, are peasants with wood and string, and pay no upkeep, and pewpew you to death in your shiney expensive gear. Thats what THEY LOVE.
The trick to spending time in this game in finding a level of gear you can maintain. Most everyone you see wears gear that matches their playstyle OR abilities. If you see players who wear plate armour ALL the time, you must understand that they CAN, not because they have some secret stash of gold, but because they are able to use their skills in combination with their gear to secure themselves a multiplier, most of the time. When a player uses very expensive gear and isnt a very capable player, it is soon evident, and they are soon broke. The system works, in that if you are enough of a badass to win, you are more able to do that because you are making more money. New/crappy players should just thank their stars when they get put on a team with these players, and organise a gang kill with their teammakes and team ranged to destroy these high ability players when they oppose them.
This is a game balanced between realism and fun play, and the realistic part is that warriors with countless battles in their past have enormous experience, they are tough fighters, they have a great understanding of their weapons and armour, and have mastered the greatest weapon there is, their BRAIN.
Now try and use yours.
I hope this has helped you to understand how random, backward, and ignorant you are being.
Oh, PS: When I started this game, we were ALL peasants, and we had to fight as a massive gang, because gold and XP was earned by killing or being NEAR a kill. No upkeep. This was a fun game, but it was NOT this game: if you had joined that game at this point, you would not post silly rage threads on here,
you would just have quit, because we all had the armour we wanted, as an archer I walked around in heavy armour, my longbow and my bastard sword, and I killed everyone, all the time. So did everyone else. We were all overpowered to fuck, with insane amounts of WPF, crazy levels, and most of us had horses too. ALL you could do as a peasant then was stand around, and hope to die in a close enough spot to the centre of the carnage to gain a little gold. It took weeks to get a weapon, months to get armour, and was the least noob friendly game I can imagine short of someone who has never played an FPS being dropped into counterstrike and told to defend A long.