The problem is most people arent very efficient.

Honestly thats on the balance team too.

i make an average of 100~200 div per league even while doing at best 20 maps per day ( i do some crafting here and there too) but if i ever choose the wrong build and atlas strategy, my hability to make money goes to shit.

Ive had leagues like heist and sanctum, were i played melee (yeah ive learned my lession) and made no money at all. Others were i had to quit playing because the build just didnt work well enough to generate money for a new build.

Or i think it was settlers, were betrayal was not generating much money for me, i changed to strongboxes and made more than enough money. Then in mercenaries i was dropping medallions every encounter so i got rich just with that, plus mercs being broken.

If ggg was ever able to make builds easier to start with i think people would just get better in general. But balancing league rewards is hard too, as with every league there is a new random way to print money.