It depends:
You can pay that much from all the farming you do?
Then you need help. Take a break and relax. Maybe a cruise on Rogue Isles.
You can pay that from (outofgame) transactions?
Then you need help. The game can't be that consuming to pay for "stuff" that should be earned.
*****This message has been brought to you today by the letter [A].
A is for Addiction, and one should seek out help no matter the case maybe.*****
Actually, most of that was paid for by me PLing strangers. =D
I'm not addicted to farming. Lately, I haven't run my Fire/Kin at all, except for one evening that I did 4 runs on the Family map for my oldest and dearest RL friend, the man who is the reason I started playing this game in the first place. The least I could do is get him a few levels on his blaster, as he doesn't get nearly as much playtime as I do.
Currently, I make my money by just doing arcane arcs. Ouroboros makes it easy to go back and revisit an arc featuring Circle of Thorns, Tsoo, Hellions, and Carnies for a good amount of magical salvage drops that sell for pretty good money. The fact that you are exemped down for these arcs means you are also getting good influence rewards, to boot. Perhaps one of these days I'll post a guide to making money the non-farming way....
W.P.
PS: Alot of those set bonuses are from lower level enhancements, that were cheaper to make, and less in demand at WWs. Only the higher level enhancements really cost me money. About half of the IOs I have cost anywhere from 100k to 1 million each, as opposed to some IOs costing 5 million or more each. That list up there is equivalent to about 90 million total, not bad really.