@Vortech As someone who played a ton of Albion but burned out, this is 100% right. "pay-to-win" isn't the correct description of what Albion did. You can't just jump in, buy a bunch of converted silver and wreck face. You HAVE to work at it and even when you do you die, lose your loot, and the money you spent on it. There may be a few players who pay to recoup their funds but no matter how you slice the cake, EVERYONE is winning in some regard when that happens.
The player who may be down on their luck gets some much needed resources, the player who buys gets effectively free in-game membership, and whomever kills that player gets the loot. (because that player WILL die eventually)
The system works in a open loot pvp game, no question @FibS. There isn't some 1% conspiracy going on, it's just economics and it's very fair.
The games I at least understand gripes about are ones that you dont risk (or guarantee) losing your gold, namely WoW. I still think it's moot because the best gear in that game isn't paid for, but it's at least understandable.