I think the big issue is that it doesn't take much to have this problem. If you have over 1 mil gil and eventually plan to spend on an item or set of items, or if you have 1m+ and plan to server transfer, then you have the potential to wind up in a situation where this could effect you. Even if you don't have much, because 1m in this game really isn't all that much.
It's something that I do wish they'd up to at least 2 or 3 mil to give legit players a little more wiggle room. 1m is an insanely low cap, even though I can understand why they set it up that way.
