I came across this question answering this question. Per R.A.W.:
Characters are assumed to be "lower middle class" within their caste; the character has enough to get by - a steady job, clothes his back [sic] and simple tools to ply his trade (i.e., starting equipment) - and a disposable income of 10 coins per year. The Wealth perk boosts one's lifestyle. Spending 1 OP places you comfortably in the middle class.
This is followed by a few paragraphs of examples and clarification, as well as a chart. The rules question comes from the discrepancy between the rules text and the explanation text, which imply three different starting wealth levels:
- Wealth 0: Per the Fuzion core rules, and the rules on page 115, you have no rank in any perk unless you purchase it - Wealth 0, effectively. However, that creates an error R.A.W., since Sengoku requires an entry on the Wealth table to get money during character creation.
- Wealth 1: Per the Template rules on page 122, which says all characters have a default level 1 of Wealth. However, the Template rules are also designed around pre-spending OP for simplicity, so it could be that the Template rules automatically sink one OP into Wealth.
- Wealth 2: The explanation text for the Wealth perk (p. 116) states that by default, you have a "disposable income of 10 coins per year" - that matches up with the wealth table's Level 2.
The simplest explanation I can think of would be that there's a misprint in the Wealth table on page 117 and that it's supposed to be 0-indexed, not 1-indexed... but that still wouldn't solve the discrepancies, and still wouldn't set a set rule.
I tried to search on the GRG forums, only to find they seem to have been deleted.