They sometimes block credit cards for people and refuse to fix the issues, forcing people to buy crysta. They did this to me a long time ago.

They do this for numerous reasons:
Firstly they know people will buy more than they need due to a risk of being booted if you don't add new crysta on time, so they get all that money upfront when people buy too much instead of getting the exact amount from a CC charge.
Secondly crysta has a use by date, at which point it is literally deleted (2 years). So if you are sloppy with buying it and buy too much the excess will get deleted after a while and disappear down the drain. Lots of ff14 players get burned with this when they buy a lot and then top up every month.

https://www.reddit.com/r/ffxiv/comme...rysta_expired/

Thirdly it's harder to refund crysta than a CC charge.

We originally had playonline account systems and all crysta was assigned to ff11 exclusively, then Tanaka gave ff11 to Yoshida and FF14 operations. So we were forced to convert our accounts to his Sqenix ff14 account systems. All the money XI makes is counted towards XIV operations and xi has never been mentioned on any financial report since the account change happened.

I threw a few hundred bucks into crysta over numerous accounts in January. Thinking it was helping 11, but it's really just not. It's just counted as ff14 revenue and just sits there unspent until you use it on 11 specifically.

If anyone wants to do it, then that's fine but I know people who were doing it specifically to support 11 and you're just not since they have no idea what you're loading up on crysta for.