Cloud castles shouldn't cost money. Like, at all.
[repost]
When talking about resources, treasure, vanity stuff and the like, it's important to keep in mind the resource management scheme the game uses for that particular resource. These are:
# Title
Description
Good: How it's supposed to be used.
Bad: What should be avoided.
Ugly: How it's been incorporated in a game system in a deliberately retarded way.
1. Accounting.
Your character's resource (e.g. wealth) is always monitored and compared to other players' or to a certain predetermined amount (such as WBL guidelines). If you're lacking, the DM gives you more, if you're rich, the DM gives others more and/or waits when you run out of yours.
Good: It helps keep characters balanced.
Bad: Prices are not always accurate and amortization can hit you hard when non-liquid stuff (e.g. point-buy abilities) is concerned. Also, recycling unwanted loot.
Ugly: When you refuse to accept the title of emperor because it would cost character points you'd sooner spend on raising your Stabbing skill from 3 to 4.
2. Finders keepers.
Your character gets to keep certain resources he earned through "roleplaying", no accounting or property tax.
Good: Marrying the hobgoblin princess doesn't reduce the amount of plusses on your lucerne hammer.
Bad: The girl your DM wants to fuck has an entourage of CL+6 utterly loyal cohorts trailing behind her character's ass, obviously because she's a fantastic roleplayer and really invested in the plot.
Ugly: You're starting out as a naked hobo because having a house and pants at character creation costs character points, while obtaining them in-game costs nothing.
3. Milk in your tea?
You have whatever you want (out of a certain category).
Good: Generates well-rounded characters, reduces bookkeeping, can be used in creative ways.
Bad: Some DMs won't let you use your freebie skills to any effect, and some players will insist on a retarded use of their 117 ranks in Knowledge (length of longcat) to win the day, all the time.
Ugly: Cannot think of an instance.
3e setting-affecting stuff is free as per
Accounting-Good and
Finders Keepers-Good: you empty some spell slots or spend money to get a new castle, then your spell slots refresh or you find a pile of money sitting in the middle of the road. If your DM is retarded he can subtract the cost of your newly-wished-for cloud castle from your WBL (
Accounting-Ugly).
4e economy (and the ritual system in particular) is the opposite of
Finders Keepers (Finders Weepers?) At least in
Accounting-Ugly you can shatter your green porcelain palace and immediately spot a holy avenger in a dung pile. In 4e, you get screwed the moment you try to interact with the economy: there's a predefined grand total of all your income from 1 to 30, and everything you do subtracts from it, UNLESS you do something game-breaking, perhaps in a gentleman's way ("I only rust milk to survive").
TL;DR GURPS is bad, 4e is shit.