250k is WAYY too much for a KD. Unless everyone's rolling in the dough and I just dont know about it, or let in on the secret.
im 3.0x2 and rarely ever leave bodies unlooted for gems and such, have a few months solid in playtime and have ~50k.
Well 250k is way too much for a CG/FG item. However if you only have 50k with the conditions you have described you probably are spending a lot of cash somewhere, not looting everything, getting walked through content or grouping with someone who is loot crazy. On a Qvic run you should be able to make 20-30k pretty easy and much more if you stay to farm.
I'm actually pretty happy about the instance costs. I have been able to buy a couple of items that have eluded me for weeks because of sucky RNG. It's painful having a T2 BP sitting in your bag because the last 60+ T1 tikis you have poped had 1 worm spawn with the wrong BP.
I've spent 200k+ in the last couple of days on alt gear and usually get deals done quickly because I offer reasonable amounts for items.