It's all just a matter of being active long enough to earn the cash. It's not impossible, and the 10,000 SH cash you get as a bonus for subscribing to support the forum is always helpful. I've subscribed four times, so that's 40,000 SH cash.
Excluding the 9-save icons that were rewards for joining the cult, my inventory has a current retail value of 131,900 SH cash.
Stick around long enough, and you'll be able to smile when members gripe that no one can afford the items that are sitting in your inventory.