Imagine my character is a banker. He collects money of his customers and gives interests on the money. He also gives loans to people who are in the need of money. His profit results from the differences of the interests.
Is it not roleplaying if I play a character who has this job? Sure, you can roleplay it without any real moneytransfer ingame. But the game mechanics allow to do it, isn't it. The existence of real money ingame even supports roleplaying. In my opinion all game mechanics like stats and skills should do this and should used to support roleplay.
But: I never said that I am afraid of a wipe. No, I wanted to point out that in case of a wipe it is not enough if only the tria are wiped because there are ever some people who are knowing about an upcoming wipe. And these people try to change their tria in other good before. That means, if there is a wipe every item has to be wiped until a certain number of items, let's say 5. If not, the wipe has no advantage.
If my character would be a banker it would be hard for me to play his role after a wipe. He will loos most of his money and the game mechanics which are supporting his role (tria) are away. That means his customers probably won't trust him anymore. Even if there is only a inventory balancing which means only high amounts of trias are wiped it would be a problem for my character because as a banker he has an above-average amount of trias. You see, a wipe affects not only power skillers, even roleplayers who never spend one tria in leveling.