i guess you can say it just takes time.. gettin rich on d2 is a matter of luck mostly... someday pindle will drop a wf or something like and someday it'll just drop a shaftstop... it all depends on luck...
but to get to a certain point... u all have to start somewhere...
when you want to get rich... the first thing... is to get mf!
trade for mf items... you dont need a tals armor or anything like that to start off with... i first started off using good ol' 4ptop armors and 3ptop helms with some chanceguards, ali baba, nagels, mf amu, goldwrap, and some lamer 25% mf boots...
build on what you have first then... when you get soj dough... go get better mf stuff... i.e skullders, occulus, shako, etc... and finally when you'r comfortable enough... you can get the goodies... tals armor, 50% war travs... occy rings... ect.
i suggest sorcs for mf... they can have the most mf without losing killing power...
o and one last thing... patience! you'll get rich someday... u just have to wait it out a bit.