Hi, THEDEACON! Thank you for a well written article. I just wanted to stress some points you made. Certainly, your time and your knowledge are your two most powerful resources in your pocket. But what is the third? Your kindness. Yes, your willingness to help other people will always reap you rewards in the end.
For example, awhile ago I died at around lvl 80. I saved in Wine last so I ended up at the falls way way way to the south. There was this poor guy maybe level 15 there talking to an ARK about not being able to make it back to town because the mobs were way too high a lvl for him to possibly conceive getting back. Every time he died he would come right back to the falls. For some reason, the ARK forgot to warp him back to a town or to the grid. Whoops!
I could've gotten in my brand shiny new yalm () and not given it a second thought, but instead I waited with him and contacted one of my engineer friends, who took his time to come down to the reclaim terminal and warp him to the grid. All in all, I spent maybe 20 mins helping this guy. While we were waiting for my friend to show up, he asked me what I was doing and I told him I had died while trying to finish Dodga's Quest trying to kill "Live Metal". I had forgotten to save (duh, always happens) and ended up here as well.
I didn't know this at the time, but this guy that was stuck down there was actually an alt for a very high level character. He logged on as his main and waited with me for the Trash King to show up so that I could get the necessary items to complete Dodga's quest. Not only that, he went with me to EVERY SINGLE robot, let me tag them, and then killed them so I could get the parts. 20 mins I gave him, he gave me back HOURS. Talk about payment in full!