Just to come back on the Jeweler 'problem'; it is actually bigger than I thought, as I just realized you also need Flawless Imperial Gems for re-rolling stats on Rings and Amulets. Enemies drop mostly Marquise gems with a very low drop chance for Imperial gems on Torment difficulties; if you assume you're going to be upgrading from Marquise upwards with the gems, the cost is insane...
81 Marquise + 5,400,000 Gold = 27 Imperial
27 Imperial + 2,700,000 Gold = 9 Flawless Imperial
9 Flawless Imperial + 1,200,000 Gold = 3 Royal
3 Royal + 500,000 Gold = 1 Flawless Royal
That's 9,800,000 Gold and 81 Marquise gems just to craft a single high-end gem of a single type for a single slot, assuming you never want to re-roll stats on any Ring or Amulet and never socket anything into an item you want to use until you have the best possible gem. If you do want to re-roll a stat on an Amulet or Ring, then that's 9 Marquise gems + a combined total of 900,000 Gold per re-roll.
What the hell does that guy do with all that Gold?
I mean, it's end-game stuff, so yeah, there's going to be some grinding involved, but this makes the entire gem mechanic about farming Gold instead of about the actual gems.