My question is twofold; I see people in game begging for 3000g for respecs for example, but given my experience I can't see how people can not have excess gold in game. Can anyone offer some insight into this?
It doesn't matter how easy it easy to earn gold (and it really is easy) - there is a certain fraction of the population that is always going to beg, mooch, or grift for it. It's just human nature.