I don't think it sums up for an average active player:
1. Not many guilds even open L4 in GE. (your 3 Terraces go here)
2. To perform there, you either need a superior attack -- or tons of goods + some diamonds (where would that come from?).
3. Check your neighborhood: how many people managed to to get both L7 Pillar and Bridge, like you did? And, trust me, I tried hard to get Bridge fully updated. (and got somewhat lucky with Pillar)
4. In GE, can you be more specific, "tons of fp"? I think, the average is about 30 for 3 levels -- and, quite a few players don't complete 48 encounters.
5. You can't get a lot from recurring quests, unless you sit in some particular (lower?) Age and a half of your city is busy churning it? So, if you just complete quests as they go, you hardly get 1 fp/day.
6. Daily challenge was introduced not so long time ago. Then, you still get, probably, about 5 fp/day (and that's counting in an occasional 100 fp).
7. Five "wells"... OK, I'll give that to an average player. I, personally, just can't stand the way they look -- not arguing that it's my problem.
Please let's not assume I'm not doing GE.
I'm on encounter 36 now, so far I've got 0 (as ZERO) fp.
So, I'm sorry, but it is not a realistic picture for a person who just plays a game, no tricks or help.
Therefore, if a regular player chooses to fight, he needs Alcatraz.