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The search function is your friend, this argument has been covered several times.
A recent discussion[url=http://paizo.com/threads/rzs2rgry?Adventurers-are-neccessary-to-balance-the][/url].
As Matthew said, 200.000 gp are a big sum, but not something really staggering. It is around 10 millions euro. In our world we have people that is paid that sum for a year or even a month of work and while they are rich people they are very far from being part of the richest elite.
The PC are similar to the Russian nobles fleeing the communist revolution, people with a lot on wealth on themselves but without a steady source of income. They aren't really rich.
To make another example a big truck is worth about 10.000 gp. You see a trucker as a rich guy? A fishing boat is worth even more. You see a professional fisherman that own his boat as a very wealthy man?
The adventurers are guys that own a very expensive equipment that they use to do their work. They don't have a very large income, they have costly equipment. At least for me a rich guy that can affect the economy is someone that has a large expendable income, not someone that has a large sum of money immobilized in the equipment he use for his work.