In what way must a Paladin be "greedy" in order to be unempowered?

Not getting virtues I can understand. If none of your time is spent doing Paladin-ly things then you don't get the reward for it.

Likewise, if you egregiously violate your role-play in order to get or retain gear, you get unempowered.

But what if you just accumulate a kick-ass set *while* role-playing well and doing Paladin-ly things? Is someone going to look at you and say, "Gee, this Paladin has too much stuff in his inventory and too much copper. Unempower!" or does it take more than that?