Don't let it get to you. Relax and enjoy the game is what I say. I'm in a similar boat as you. I've been steadily saving up and vendoring just about everything and my bank account sits at about 10pp.
I can understand how it's frustrating seeing people with large bank accounts so early on, but there's a lot of ways to make money beyond vendoring, look for quests that pay out coin, work on some trade skills (I make a profit by just collecting skins and making patchwork that I sell back to vendors) find what works for you.
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