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Well the economy is really just a composition of the people in it.
I used to go around in Roumen and buy up ALL of the scrolls that were being sold for less than I wanted to sell them for, and THEN open up shop. If you have all of something, then you can sell it for whatever you want (until more people come along with their own scrolls).
Am I a preteen? No. Is what I did wrong? I'd rather think it is clever. Besides, I wasn't making that much of a profit off of it.. and those selling to me were making their money.
Was it annoying to those that wanted scrolls right then? Probably. But more likely than not the urge to have a scroll outweighed the extra 49c they were giving to me.
It's the same thing with anything else you buy in the real world. Sure you could make it yourself, but it's less effort, time and energy to just pay somebody else for it, and if the only one you can buy is a few cents more than you'd like to pay you'll still buy it if you really need it.
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