I don't necessarily disagree, but one thing that I think you're missing @Paramour is that you can use prestige to get potions. So quest loot, but lots of the other prestige items, are a big source of potions.
For me, this is the primary way I get staple questing potions (bark, blur, shield) and stoneskin.
Admittedly, if you are saving prestige for loot, this is harder.
I have no trouble saving 10k+, but I am a ranger with mostly free buffs, a wage, and I'm not using prestige for other loot.
I do agree it would be nice for cool loner concepts to get support, I guess this is where DM intervention comes in? I don't have a great idea for some auto-wage system for the factionless. Maybe wages for the Autonomous Collective of Evil? Idk. Evil has its perks.