Sorry if I am repeating something that was already said, but...:

I just want to point out that there is one item that is worth acquiring for just about anyone, and the acquisition of which I THOUGHT could motivate adventuring to fairly high levels... a Rod of Security... wait a second. I know you could share them... just find about 25 "room-mates"... but that makes... good grief... nearly eternal life can be had for about 3,000 GP if you don't mind sharing living space...

I take it back... everyone who just cares about luxury retires before level 10...

Carry on (although I just have to say that something that takes things in the direction of more natural economics gets my vote)... haven't actually been following this thread.