I don't use books to tell me how wealthy my characters are. I think about who they are fighting, how much money the enemy has - how much of that money is sitting around in a chest, versus how much of it is on someone's person or how much is actually paid out to mercenaries, maintenance, etc. That way, the enemy has a rational amount of wealth and when the players "loot the horde", it all makes sense. In my games, wealth comes VERY slow, with the player getting access to NPC's, Services, Land, Entitlements, and other things, which when added up, probably are worth the money the book says they should be given at that level. I like to have fewer payoffs from looting (but bigger), and more money earned from non-looting player actions, gifts, favors (the most important currency of all in my world!).