I would imagine that as time goes on (not accounting for inflation, bots, and whatnot), you'll start to make money faster. If not, you're doing something wrong. Most people never become able to make more than about 2-3m an hour. Even lowbies have access to some of the best mid-high income sources: herb farming and other dailies. Not everyone has the skill to sell leech or the intelligence to merchant. A lot of maxed players are very wealthy, but the majority of them have low incomes. The acceleration of your dungeoneering xp is greater than the acceleration of your wealth. In addition, gp can be exchanged for countless other goods, but dungeoneering tokens can only be exchanged for three things: chaotics and other items (which after you have them all you never need to buy again), xp (which after you have level 120 or 200m you no longer need to buy), and recharging chaotics. End game the tokens have literally one use - to "sell" for 90 gp each by recharging your chaotics.