All these town vendors are just out here making bank, and we don't seem to ask too many question. A good point you bring up. 75,000G would take up a significant chunk of most average citizen's annual salary, I would guess. So really, you may just be working all those hours, taking all those extra shifts and doing all that overtime only to decide to buy a neat hammer, not like it, return it, take a 74,400G hit and not even end up with something to show for it. Meanwhile, Marlon and another old guy are rolling around in gold coins, your gold coins, on the top of some mountain.
It's a good thing Lewis doesn't have a storefront, imagine how many statues he could be rolling out if he used Marlon's business tactics.