I thought that Ilse looked short of treasure. I had understood that each of the characters were going to get their expected treasure reward plus the extra loot.
I haven't worked it out but at level 7 I think the TCO hovers fairly close to his expected wealth level, and only thanks to the time gold. I haven't worked it out. But he is certainly not above. So he basically needed to take the extra loot or he would have been well below.
I don't think it is fair that Dekana's PC is below because Ilse didn't take extra loot. The understanding was that the extra loot was OVER and ABOVE the expected wealth level.