Its not that many players who have that amount of gold. So people can name 10 people, or a 100 maybe, in a game with thousands of players even 100 people isnt much.
1k players its 1%, of the population, 2kplayers 0,5% if its 10k players its like 0,1% of the population, that being said its alot more players with 1-5plat.
1plat is achievable for all players with normal gameplay, just add some time.
Do pvm with Roof, Doom drops, melisande, dreadhorn, corgul, champion spanws etc and just sell the rewards.
If not lucky first time try again and again, even with limited gameplay (like most) in 2-3 months you should have some items to sell.
If you consume the items yourselves or give away to friends it will take alot more time ofcourse.
The trick part would be for a newer player without skills or armor to make such a character to be able to do the encounters above.
This is a problem in UO as alot of people do end game stuff. A new player would lack the resources and knowledge to achieve this.
But all gotta start somewhere.
As a sidenote as a vet you get rewarded for staying in the game for years, veteran rewards.
I have 8 20year reward to pick, 4 13year, and 5 12year.
If I wanted money Id pick those and sell, but whats the point when you after 20years have a house, scrolled chars, em rewards and money in bank.
As for moneydrains Im all for that, close the gap between old vets and newer players.
Vendors are the biggest one in game atm, but auction safes kinda ruins it. My vendors take 2m a day, thats 7-800m a year, on a shard like Atlantic it wouldnt be a problem, but on lower production shards where stuff remains unsold for days and weeks its barely substainable, but If I dont sell the items who else would? gotta keep it alive