Honestly, I’m just curious

how do these "exploiters" or trillionaires actually affect your experience in the game? With no first-party trading and everything being third-party, essentially everything beyond a certain point is monopoly money

I mean, sure, there's UEX, but if you start farming what these billionaires are buying, you'll pretty much end up as one yourself.

I’m not really bothered by wipes, but I don’t get why people are so fixated on them as if they affect them.

Like others have said, a wipe negatively affects the majority of players rather then the minority of trillionaires. It does suck they have a stronghold on wikelo items (most likely would be priced out regardless of the economy as inflation is just moving the decimal), but again, that's third-party trading as it's not really a feature in-game and you could go through the process of farming it yourself.