We need more ways to make gold in this game.

[LordMacabre]

For the sake of argument, let's say that this assumption (because that's what it is without any sort of evidence or study) is true.

.....

Many/most of you have real life jobs. You spend money on necessities and frivolities.

When it's happening to me first hand, actually losing money for a dungeon run, I no longer call that an "assumption". You may need to assume, but I do not. For me it's an observation, and one based on personal experience.

As for your "frivolities", if I want to continue to progress in the game, I need to run dungeons. When the cost to do that is greater than the reward for doing it, it's broken. You can try to turn this into some "real world" example, but I'm not going to pay a subscription fee to avoid playing the game so I can "spend less" on the necessity of repairing my gear.