Quote Originally Posted by Manque View Post
To be the devil's advocate:

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The solution is a point system. SE seems to be of the mind that if you're able to dump treasure into the lootpool that people will sell the loot for grossly inflated prices and thereby bypass the whole point of personal chests.

If that is the case then the best compromise is a system where you get credits until you can eventually purchase what you want. This is not only the simplest way but also the most fair to all participants.