神庙什么的
Ability Value: This entry provides the gp value of the conferred ability . Although these abilities can never be bought or sold, they can be substituted for treasure of like value and count toward the benefiting character’s overall wealth .
说的是计算的时候这些要占去你的财富，什么时候变成买能力了？
云座同理
Ability Value: The gold piece value of the conferred ability. Although these abilities can never be bought or sold, their gp values are provided so that you as DM can track treasure values. You can then substitute these abilities for treasure value on a one-for-one basis and track them as part of overall character wealth by adding their values to the value of the character's quipment (see Table 5–1: Character Wealth by Level, page 135 of the Dungeon Master's Guide).
回答楼主问题
背景不是用来额外获取好处的，而是用来解释你的能力如何获得的
也许会有DM决定给所有PC根据背景给些东西，但是这不是PC该替DM做的决定
