Everything I would want to say about this, @HellzYeah just said much better than I could have.
I'll just say, this is the stingiest server in terms of loot I've ever played on in 18 years of playing NWN and NWN2 PWs. I've played Hardcore max 8 low magic servers that took weeks to hit level 8 that were more generous with loot. In the end this is a game we play for fun, getting loot in both video games and tabletop is fun and part of the experience.