So if 200,000 is a comfortable amount of money for a person to life off of (for a year, I guess?), how the fuck can a guild just have 120 million on hand?
Think about it. $200,000 would be a very nice amount of money to life off for a year. Do you expect to be able to go into a bank and just take out $120,000,000,000 in cash? ...Uh, no.