Cost of gold and sending the boat back to zero without any risk

Cost of gold and sending the boat back to zero without any risk, apparently all my friends on the list have the same complaint, farm GOLD to exchange at the action house and sometimes it takes a long time to calculate, please GGG, fix this soon, improve the gold loot, it's not ok making sense in this league I'm going to play season 5 of diablo4 if it takes too long