Weirdo
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Earned cost is used when they are spending downtime in order to raise the capital. It's conceptually equivalent to the crafting cost of a magic item.
The actual value of the capital in terms of what it will get you is the purchased cost - this is more like the market value for an item, which is the value used when calculating rewards for adventuring.
So if you want to give the PCs a reward in capital that would be equivalent in value to a 1,000gp magic item, you would use the purchase cost. They could earn 10 points of Goods, 10 points of Labour, and 20 points of influence.