$201 is worth, in round numbers, 7000 points. You can earn those points by charging $3500 in travel (any kind of travel, not just Amtrak) or $7000 of anything on the AGR card. Shopping portal purchases, promotions, manufactured spending, and signup bonuses can generate additional points.How do you accumulate enough points to afford a sleeper? Wouldn't that require a lot of travel = a lot of $ (or maybe your job pays for it)? You may not be filthy rich but if you can get a $201 roommette on just points I know you spent way more than that on travel to get it.
The "point" is, it's not difficult to be in a position where you are points-rich and cash-poor.