At this point, exploit is more of a "You don't play the way I do" eventhough it has been in the game for ages despite being extremely easy to remove.

"You stack initiative? that's an exploit"
"You kill a merchant? That's an exploit"
"You shoot before waiting for the combat to start? exploit!"
"You... BUFFED BEFORE BATTLING?! Exploit!"

These methods are there because they are there and logical, and would even be more effective if they are even more logical and let us rob the whole store after killing the merchant. As mentioned that it has been around since Div 1, there's no reason to believe this is an exploit anymore.

This kind of "Pick a few gold and buyout a store -> easy win from super gear" shouldn't be around even on normal mode. The whole "Everything is so cheap" should be a part of explorer mode instead where you can RP all you want with crazy build but when the classical mode pretty much states on the desc that "This mode is for people who want harder battle with a lot of strategy and planning", then it should be as described.