I am confused... What use is your "Personal Wealth?" Appart from being able to donate to the crew with it you can't access it for anything else, correct? How can you ever buy a new ship, for example, if you sign articals and the left over "expidition" money is always so low? I am experimenting with having signed articals and I have over a million gold in "personal wealth" but can't use it to buy a ship for example.