I disagree. Harry can do partial transfiguration. If he cannot figure out ways to earn insane amounts of cash just through that then he is too retarded to be called rational (remember that he can actually extract resources in ways the wizarding world cannot - as I write in another place: mining ++).

Plus you underestimate the degree of separation between the two worlds plus the extreme lack of respect the wizarding world holds for muggles.

And about the 100.000 galleons: well if they're bright, ambitious and socially aware plus they're using questionable sources they SHOULD act surprised. Not acting surprised would give away their game to the idiots remaining.

I will be severely disappointed if EY will waste time on the money issue. It doesn't deserve much more than a paragraph. Perhaps two just to let us know that Harry won't abuse it, because he doesn't want to call too much attention to himself.