I agree with this, but I fully support this suggestion.
If you get cleaned, you almost have to ask someone for a loan or donate. It is literally impossible to completely rebuild from scratch unless you get a lucky drop.
There either needs to be more then three methods of making money (those being PvM, Dicing, and Merching) or we need to add in more mid-late game gear. AR, Ice Kat, etc are all good mid game items, and all-47, sicle, flame torva is good early-mid game items.
We have the following tiered areas -
Early
Early-Mid transition
Mid
Late
We're missing the transition phase.
Also, @Licky the transition between gear in RuneScape is a lot smoother then here on DreamScape as there is multiple methods of making money. Here on DreamScape, there's not many, leading to people needing to grind a boss to get early, early-mid content. Then if they want to hit late game items they are almost required to gamble, donate, or get lucky with a drop. There needs to be a change somewhere along the lines.