While i can agree that this encounter needs some work (would’ve been cool if the dragon could try to persuade you to mess with the required NPC), but i don’t know if it’s significant enough of an interaction to call a true fumble. Larian also isn’t above going in and fixing things or making things better, as they’re continuously adding and improving content.
Also, from my perspective, this game is supposed to be a baldurs gate storyline, not D&D 5e, the motion picture the video game. So for me, i was really glad to see them going hard into the lore, and this one felt pretty good to me.
I feel like the wealthy people you see are the ones who either get excitement from flaunting it or from lying about it (for example, mtv cribs was all fake). There are plenty of stories (yes i know they’re just stories) about multi millionaires who drive the same old truck, wear regular blue jeans, and have a nice quiet (albeit larger than average) home.
It’s not crazy at all. I just think we see the outliers more frequently than not because they want us to see them.