Skel, I think the people dropping 20k or whatever for items (some of which are account/char attuned) dont care. It seems you (and likely lots of others) look at it like a return on investment, ability to break even/ cash out etc. The 2-3 whales Ive ever gotten to know over the years simply dont care. If it all vanished tomorrow its money they dont need that was spent on entertainment. There is no grand plan to get it back somehow.