To build a bit of wealth at that level, one would need to convert money into other high-value items, however, some high-value items are very difficult to circulate across levels.
Ordinary people's consumption level falls within the lowest Level 1, where the majority of circulation is in the form of currencies like silver and copper coins. Gold Coins are between Level 1 and Level 2, serving both levels; they cap the currency at Level 1, and are the least at Level 2.
It's difficult for ordinary people to reach the consumption level of Level 2, where one unit of currency could be considered equivalent to one hundred thousand at Level 1. Those who barely touch higher levels of consumption would do very well for themselves in their appropriate level if they see their position clearly.
