Zlish you fail at understanding.
I'm not saying it's not about money. It is. But if anything, cRPG needs more upkeep and money sinks instead of less, because the rich players are getting richer on average, allowing them to run around in very heavy gear. That sucks for new players, because they'll take a long time to catch up.
If upkeep was higher / the game had more money sinks, the new players would catch up much faster.