I don't understand where these threads keep coming from, I know I'm not exactly "endgame" yet but I do have about 150k just from doing quests. I accept the allagan rewards because I rarely need the items thanks to dungeon crawls, and I honestly make more and more every day. I do complete almost all of the side quests in every area the main storyline takes me. Did you start off with a lot like I am approaching endgame and then spend it all once you got there?