He makes a sword for someone, and the man pays him 1 gold. His usual commission is in the hundreds.

He creates a sword for a king for another country (barbarians?). A f*ckwit noble is rewarded with 5, 000 gold for the idea even after he completely f*cks up the diplomacy aspect, and he sends 1, 000 gold to the craftsmen of the sword. The MC has to split 1, 000 gold with three others, the decorator, the enchanter, and the dude who thought of using the large pink gem to enchant the sword. The only reason that dumbass noble didn't fail is because Lutz is able to make a good enough sword. Otherwise, the kingdom either had to give up a princess or four other swords that Lutz created.

Also, who the f*ck thought it's a good idea to give an enemy king a magic sword for the world's largest gem as a symbol of peace? That's the same as: "Please don't attack our country anymore, and in exchange for this unusually large piece of jewelry, we will craft the continent's most destructive nuclear warhead for you. The other side had more brains by presenting a very large pink gemstone. How deadly is a pink gemstone? About as deadly as a heavy rock if you throw it. How deadly is this sword? It harnesses the power of the sun and makes anyone within a radius bow down in reverence.

Later, the two move into a better house, but take a guess. The lord is building the house for them, and they didn't spend any money. The only time he spends money is when he buys a shard of a pink gem for 200 gold, and he doesn't even use it for his own sword.

The explanation that a guild's weaponsmith can't work in a different city without first undergoing apprenticeship in that city is full of shit. Mr. Blacksmith is the best blacksmith in the continent. He lives in Town A. Suddenly, a dragon razes Town A and it no longer exists. Now, Mr. Blacksmith is f*cked because he needs to move to a different city and undergo an apprenticeship there before he can continue his trade.

This wouldn't be a problem if there was a standard certification test or a short program, but there isn't. The only reason this exists is for the author to cover his ass why Lutz begins in a horrible situation.