I'm just gonna throw this out there.

When it costs 20 million + coins to upgrade gear, it is going to take days for the gear to finish even on thorsday. If you want to spend gems clearing the cooldowns, that's your choice. If you want to spend coins on runes that's you choice.

10% damage in banish twice a day, is 20 million coins
14 million+ coins from philosopher's stone each day (with city buffs)
approx. 10 million from GW
10 million or so from 3 labyrinths a day scoring over 600 each time
1.5 million or so from the free shrine use
over 5 million from claiming guild benefits

That's what... 50 million coins a day something like that