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Loners spend years in The Zone trying to scrape enough rubles together to return to society rich, rather than in a week or so, for a reason. Stalking is hard, and the Marked One is going to have to struggle and loot for every ruble he makes, because nobody is going to give him any more than they can help.

All trader buy rates reduced dramatically.
All Quest reward rates reduced dramatically.
All trader (including fellow Stalker) sale rates...untouched.

You'll still be more than capable of getting "that" ending if you so desire, or if you're naturally inclined to scour the zone for artifacts, loot every stash (even with AMK's random or rare settings enabled) for cash, and never spend a single ruble.

But it isn't going to be something you stumble into by accident. Becoming rich on your own is hard. Work for it, or simply work to survive in such a harsh economic Zone.

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