Where did you get the money for the converter, for a random hero, and for buying skeletons in the castle if you're playing on 200% difficulty, and chests are used for leveling up?
I'm talking about 160%, of course. Most active Heroes 3 players play on this difficulty. Sorry I didn't mention it right away. (I wrote about 160% everywhere else, but didn't specify here)
It's more difficult at 200%, but even a rival with zero everything will develop much slower.