Level 1 character vs level 13 character

[MaxiDuRaritry]

Pretty sure VoP specifically prohibits this mentality.

Given that, oftentimes, the party is saving the lives of uncountable people against civilization-destroying horrors, donating that 180,000 gp to them will help a lot more people than donating the equivalent of Bill Gates's yearly income to the nearby orphanage. Though I do suppose those orphans will need to gain levels somehow, and giving little Timmy that +5 vorpal greatsword will undoubtedly help him clear out the local rat infestation.