Even with reborns though, gold still use useful. Like when I first reborned as an Uchiha, I really needed weapons and armor to survive.
And even if a lot of members here are older players, there's a lot of people who are lower ranking and might not even have any reborns at all despite their 'status' here.
I try to greet new and unfamiliar academy students too and welcome them to the game. Often I'll find that they're either new or they played this years ago, are now back, and just trying to get the feel of it again.
Now I'm in a similar situation to you where it wouldn't affect me either way. But, if we forget about the others who aren't in our positions then you're not looking at a potential global issue...Even though this isn't that, but could still be considered an issue nonetheless.
And off topic, speaking of coffers, I wish I had more keys to people's homes so I could give people money.