An interesting post on the VN boards that deals with the "hard cap" on how much money a certain player can hold. It also goes into details on why you are seeing screenshots of characters with gobs of money. Don't worry from this post we can gather it is (or was) a client side issue.
[15:47:11] @@[Party] Nausicah: "once you have more then 214p 748g 36s 47c EVEN by 1 copper you will instantly have a client side error on the true amount of coin you are holding."
[15:47:29] @@[Party] Nausicah: "Cooopkilla can you please buy that item in the merchant for 1s peace please"
[15:47:55] You get 14 platinum, 748 gold, 36 silver, 46 copper pieces from your consignments.
[15:48:26] You get 1 silver piece from your consignments.
[15:49:06] @@[Party] Nausicah: "I now have a number that since I receaved that 1 copper from the Player Consignment Merchant using the withdraw feature."
[15:49:25] @@[Party] Nausicah: "that is 65322p 64788g 221s 206c "
