Do you know how many people just cringed? *winks* But you are right. It wouldn't be anything more than a band-aid. The economy in-game is fundamentally flawed, so a bottom-up redesign of the economy AND a gold/bank wipe would be necessary.
You want a reaction?*slices his mattress open and stuffs his True in it before sewing the mattress back up*
This is true...that is unless everyone would accept a bank/gold wipe.
And pawn shops? They're useless for the casual player. They never can afford to buy a single thing. I gave up years ago even clicking on them because after a reset 9 bazillion enchanted fire opals are sold to every pawn shop on Layo, making them all useless until the next reset, well... and I can't log on right after a reset, so therefore I can sell... nothing to a pawn shop!
The disparity exists between rich and poor because some have more time to go grind kills for their money than others, and because some have clicks they're part of that allow them to team up more regularly than others to hit areas where more money and better items drop.
Making all crafting items that are not a finished items one gold (looking at you, jewel crafting) would be good. Putting limits on how many of the same item you can sell in a give time period (ten of XXX then cut off for an hour) would be good if it's possible. After all what does a pawn shop need with fifteen lutes anyway?
A great suggestion and inline with something that has already started to work well. I think greatly reducing the going price for crafted items at pawnshops would be a good addition to the above suggestion.