Your assumer correct as far as climbing a ladder goes, but it's more complicated with a fight schedule and more. I'm not sure what else but seeing as how at a high merchant skill you can invest in shops I wouldn't be surprised if you could get into sponsors and whatnot. Also, if you choose to you can bet on matches, and you don't have to join the guild to be able to bet.
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A man once asked the Buddha, "How does one escape the heat of the summer sun?"
And the Buddha replied, "Why not try crawling into the blazing furnace?"
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