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I'd say it's safe to assume that requiring skill gets you more people than requiring absurd amounts of money.
"You have had an extraordinary adventure, my dear. Extraordinary! One that few people could ever imagine. Treasure it. Keep it safe and secure, tucked away in some special place in your heart. But... don't spend the rest of your days chasing a ghost."
The barrier of entry to combat has increased over time. It's higher now that it was ten years ago.
We all grow up eventually