Originally Posted by
Kohdo
Loot drops and critical hits are also artificial scarcity. You haven't been disallowed content, you just haven't been lucky yet.
I ran Arboretum 46 times before my coat dropped. I had BiS gear, unlocked the dungeon - why didn't I get what I wanted the first time?
The barrier to housing isn't simply getting the money, any more than the barrier to getting the loot you want is unlocking a dungeon. There's still a measure of luck involved. If everyone could get it that easily, it'd lose its' value.