Ok...let me level with you here SE...

[Mahoro]

You can't apply real-world opportunity cost to FFXI opportunity cost. There are no conflicting life goals and philosophies. It's a video game. You have fun, you make friends, and you obtain loot. That loot does not become more or less attractive based on how you feel about monetary possessions or moral/ethical dilemmas. It is simply loot. The population is already distilled to such a point where the minute differences in perceived value of items become negligible as we are all players of the same video game and all generally agree on the worth of X, Y, and Z pieces of loot.

Yes, but not all agree on how to use Dynamis time, and therein lies a conflicting goal/philosophy:

Example A: LS member wants an Avesta Bangles.
Your solution: Pay 6 people 2-4 million each in "Dynamis opportunity cost" to farm an Arch Angra Mainyu pop and kill it. Total price: 12-24 million multiplied by however many Mainyu pops it takes for Bangles to drop. Also assumes 6 people can kill it.
My solution: LS mage helps out on ADL. Relicholders help on Mainyu. Rinse/repeat till Bangles drop. Total price: 0 gil out of pocket, nobody in scenario cares about the "opportunity cost" because they all got something.

Also, not all agree on how to obtain loot (buy everything or do event), and therein lies a conflicting goal/philosophy:

Example B: A LS member only has 2-3 hours a night to play. Wants an E. Body.
Your solution: Farm Dynamis and pay for multiple Nidhogg pops till E. Body drops, or pay for an entire group to do Einherjar 10 times. Total price: 8 million for each Nidhogg pop multiplied by however many pops it takes for E. Body to drop, or a napkin to wipe the tears of laughter when he asks a group to do Ein for him 10 times.
My solution: LS member earns DKP through events like ADL. Next Einherjar, E. Body drops and member lots it. Total price: 0 gil, member doesn't care about the "opportunity cost" because doing Ein took less effort and was probably more interesting than hardcore farming Dyna and trolling PJ for Nidhogg pops.

As for your last paragraph, I actually wholeheartedly agree. People might get sick of ADL. I probably will after the 4th or 5th!