Because there is a lot of talk about economy and coin sinks in this game I think it is very important to put into perspective who has what amount of coin and what earning potential vs. their need for coin. Very often the coin cost of things is weighted toward the old vets in an attempt to get their cash but this is very unfair to everyone else as I will illustrate.
Note: Biped Crafters in all Tiers will require many times the amount of Coin to stay viable compared to Dragons due to the immense number of forms they must buy in comparison.
Tier VI Players|
This group has every Form and Tech in Triplicate. They have hundreds of Gold and besides buying an occasional Comp from someone else and funding some work on their Plot they have NOTHING to do with their Coin. They are desperate for entertaining little things to blow coin on. Fun perks that make them look more unique or can be fun props for RP. They want to get fluff that requires vast Coinage to make their hoard of money worthwhile. They do not need any more coin and it has next to no value to them whatsoever. Copper? What is that? Silver? I use it for Toilet Paper. Gold? I have coated everything in my Lair in Gold. I Gold Plated the walls, floors, ceiling, furniture, work benches, shrubberies outside, and even some of my food in Gold. My whole world glitters in golden splendor. I am even considering some substantial Platinum in the near future.
Tier V Players|
These are slowly reaching the end game. They are within a hair's breadth of getting everything they need and want and have the ability to earn coin in the range of 100 Silver an Hour if they work hard at it. They need lots of Coin still because they have the last and most expensive Forms to buy which are utterly bank breaking and may need to finish the last and most brutal of Vault Upgrades. Coin still has value for these players but it is slowly starting to wane and become less useful. Silver is starting to lose its charm and Gold is becoming increasingly required but making any great amount of it still seems like quite a task that is not for the faint of heart.
Tier IV Players|
These players are still in the thick of things. They are looking to the future and dreading the horrible amount of Coin they will need to purchase the Tier V content of the game. They are missing many Tier IV techs as they are next to impossible to get their hands on and are scraping by with Tier III Teched Gear and Spells. They can now make around 30 Silver an Hour if they hunt Tier III monsters in massive groups. Coin is of moderate value to them because they cannot buy much of what they want but they still know they need to save up for their future. Silver is now in decent supply and the idea of having 'A' Gold Coin is starting to sound plausible if they really drop everything else they are doing and work for just that goal.
Tier III Players|
These players are hurting still hurting for Coin. They need to buy all thew new and very expensive journeyman formulas and techs. They are swamped with expenses and are lucky to be able to eak out 15~20 Silver an Hour if they grind hard. They never seem to have enough Coin and always have many more things to buy. As such they do not part with Coin unless absolutely mandatory and find themselves grinding Junk Loot just to stay afloat. Silver Coins seem to come in a bit more regularly and are the currency of choice but Gold still seems like a pipe dream.
Tier II Players|
These players are desperate for Coinage. They are getting some quests which offer little shots in the arm to their bank account but they are not enough. They are growing fast in their ability to craft and are in dire need of all the forms and techs for their level. Now that they can scribe more forms they cannot keep up with the new demands on their cash supply. These players are doing very well to pull in 10 Silver an Hour in their grinding and most Forms will eat that up in one or two shots. They really have nothing left over to spend. Gold at this point seems like a Coin type they will NEVER have.
Tier I Players|
Of course being starting characters these Players have nothing at all. A few quests go by and they get just enough to begin their careers but trying to find the funds for anything that is not absolutely essential is beyond their ability. They are struggling to get the coin to buy Refurbished gear so they can go hunt. They are doing good to make 1~5 Silver an Hour in their Grinding and each Silver seems like a Million Bucks to them.