Took a longer break when gods of the machine came out, had 1,3 Billions then. sitting at around 4,5 right now after 2 months of playing, earned most of it through crafting, no rl money involved.
Crafting involves a healthy infrastructure of alts with 50 companions, lots of logging in and out, diversity of products. I still would not buy a new shiny armor for 500 Mil even if i can afford it, a bit restrained spending habit is involved. But that is just plenty for me, others have a lot more and still want more, humans are funny that way.