Your level of "drowning in coins" depends on whether you had luck with Year 1 exotics or not. I spent a large number of coins with Xur to get exotics that just would never drop for me. Examples: Suros; TLW; Plan C; Truth; any number of armor items. I started this year with about 400 coins total, between all characters. YOU might have 200 coins per character now, I would be surprised if I have 30. And I definitely play "regularly". But I buy any new armor and weapon items each week, because of the aforesaid crap luck with RNG. What coins I have left go for 3oC.