Theft from the FC bank/members.

I don't understand why people GIVE their money to the FC Chest. you can hold it perfectly fine or put in the your retainer, but even if your contributing for something or buying a house with someone you trust there's no way you should of held multiple users gil in a chest where multiple users had access to take it all.
Not in a game. I could of easily taken your 12 mil and transfer servers or even not. Because some people care and to some people its still just a game.
If you've ever played any games before FFXIV you know how hard it is to trust people and how to keep your own security.

If you keep funds for large purchases like the house in the chest not only do you have an accurate amount, it's sometimes encouraging for people to see how far you've come in X amount of time or just how far away the goal is. Yeah you have to trust your leader(s) but its just something you have to deal with.