Wow. See I've been campaigning for an Umlaut boss fight. Just for players like you. There's not enough risk in this game for you. You're just hoarding gold waiting for lvl130, right?
My idea - Introduce Umlaut in the boss pit. If you consecutively beat all the bosses at the highest level, you fight Umlaut. You win - a gift for your guild, chests, diamonds, soulstones. You lose - Umlaut takes all your gold and repossesses 5 heros.
No more billionaires club.