Here\'s an solution to your money problems

First, provide easier ways to earn money, and then introduce thieves, who will be more likely to prey on the wealthy, which in turn will motivate you to use the money to train quickly, however......
beyond a certain point (somewhere around mediocrity) skills deteriorate over time, and the higher your skill level, the faster they deteriorate, and the more money it takes to train again...

This would provide a world of average characters (who hopefully focus more on roleplay), with the opportunity to become GREAT!... for a limited time, and, with some extra effort (if playing on a computer can be called \"effort\")... you can remain \"above average\"

after all,  isn\'t that what we\'re all taught to strive for?...