In Pathfinder even on weaker creatures it’s important to call out the number because it may or may not crit

Yes that’s exactly right, because the alternative manages to somehow be even worse. All hail the two party system.

Many governments on the planet have less money than some big tech or oil companies. Obviously not those of large industrious nations, but most nations aren’t large and industrious.

There is nothing objectively wrong with your statement. However, we somehow always default to solving that issue by having some dragon hoard enough gold, and there is something objectively wrong with that.