This is the part that I don't get. I have played the game for roughly 1000 hours. Have been AFK quite a lot so in reality, its probably more like 800 hours. At the moment I have about 200 gold worth of mats in the bank and have bought another 100g worth of stuff for my daughters. So thats about 300g. I have also bought 950g (27000 gems) worth of gems. I also just bought another 2500 gems. To date, I have about 65% map completion, have done 2 story dungeons and level 3 fractals. I do about 4-6 chest events a day (worm, maw, etc, the short ones), my daily and then just explore, do jumping puzzles, living story, some batches of WvW, etc so no farming at all. I didn't farm the bosses in gauntlet or the mobs in pavilion and have only done about 10 invasions. I was luck enough to get a precursor drop which brought me in 315g but the rest is just from normal play. My point is that I think that people overestimate the returns from farming and underestimate the returns from normal play. I even did it the other day. I told a buddy that I made 10g from 3 invasions. Truth be told, I was sitting on about 6.5g and went to 15g. The reality is that it was more like 8.5g. That also included a couple of events in between.