Im not nearly close, but I can tell you I made 99.9% of my FG be reselling/flipping items (in path of exile).
I remembered this account after ~15-ish years without gaming and it had 3k FG on it.
Took me 2 years to get from 3K to 500K.
Never bought FG vs real money.
Kinda crazy that $4.5k USD (using ratio of steam balance to fg) just sitting on one account really isn't even considered a whole lot, but at the same time is more than some people will ever trade in their entire account lifetime.
Now, $4.5k wouldn't do much for me irl or change anything for me, but I'd be way too paranoid to hold all of that at once. Nothing would probably happen if you follow site rules etc, but I still just wouldn't do it lol.