I think the economics of UO are fascinating. Outside of my oft complained power differentials, I really like the aspect that some players are so wealthy. It gives UO yet another "realism" in it's design. I don't care that *I* will never be that wealthy or can compete in it. I love the "worldliness" of it. And I congratulate those who succeed wildly in the game of wealth. Edit to add this explanation: I think you want to add your total worth, including all items. But you also want to be a bit conservative and not over value what you have. What would you be worth, if say, you had to liquidate everything and accept best offers....but not immediately.