I don't understand your post, it's like your saying everyone who has DL has been carried and haven't worked hard to attain the gear.

5 cm runs for head
8 for chest
5 for gloves
4 for belt
8 for legs
5 for boots
4 for neck
4 for ears
4 for wrist
4 for ring
9 for relic

That's 60 runs, roughly 30 hours give or take finding new people/bad groups probably ups it to 40ish hours worth of time spent earning the gear.

I somehow doubt you will find 7 people willing to just let you afk in cm while they do it for you over and over for 40 hours. And if this is an option that gilsellers provide, well then people who take it are just lazy and will have been carried but I feel like those people are the tiniest minority of the games population that most of the people you are seeing geared have earned it.

Now the gear vs skill thing, well, they can't make it so hard to get the group gear that idiots won't ever get it, or else the risk losing a lot of money.