Enter Rowena, whose apprentices extort you for ultra-rare artifacts and high-quality merchant goods in exchange for the materials for your new weapon.
Assuming you can take care of your own gear is just like assuming someone will have the necessary tools to do their job when they're hired. And while we may be famous now, they supplied us with nothing I can remember to go take on our first three (hell, they were unable to do so at all for the last of the "starter trio"), and nobody gives us anything for free despite all the effort we put into saving their skins time and again.