My point though was that it's not about server as you suggested. There are people on S1 who struggle to slap gold together and there are people on S11 that have no trouble at all.
I'd argue that it is trouble. Perhaps not for you because you recognize that you've made a choice but you're also here quite a lot complaining about the crypt matchmaking being so low which I also can't relate to because it doesn't hurt me for the same reason.
There are people out there that have trouble scraping together enough guild to keep heroes skilled up or to complete their dailies. I'd call that troubled.
I hoard. MMOs' are made to favor resource managers but I get that it's not where everyones fun is so I don't blame anyone for not playing that way. I'm not sure how "debateable" the effect is since every time someone complains here about not being able to compete a hoarder looks at them like they're crazy.
As a note the accts I'm running right now are VIP10 and VIP6. That varies a little from week to week but they're the ones I'm running most of the time. I do the monthly deal (but rarely anything else these days)