Pretty much this. The GM's won't get involved in it at all though. If he and the FC part ways, that's just how things go.
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The gil is now the FC's property, so SE is not going to get involved. However, rules regarding FC contributions are probably things that should have been communicated earlier. Any way you look at it, a loss of 10 million gil due to a mistaken assumption is going to be upsetting.
Opinions are going to differ on this, but I personally would return the gil immediately as it has obviously been contributed under the assumption that they could ask for the gil back (not a clean transaction imo). At the very least, if the FC were to keep the gil, they should be informed now rather than later. It'd be pretty poor form to keep them in the dark about this especially as they might also make future contributions.
If that has been raised I would refuse the donation flat out. I would return the gil in question. It's obviously not a donation in the first place. If you decide to keep it after they said that I would question your place as the leader.
Your only asking for trouble otherwise.
Then again you thinking that FC funds "Belong" to the GM is not a good position to take. It belongs to the company not for your personal gain.
While I agree, as an FC leader myself, I don't consider the Company chest items/gil mine directly, but I do view it as mine to make a choice with, for the company. If I decide to upgrade the FC house to a medium/large plot, I feel it's within my right as FC leader to use the funds that have been placed in the FC chest to contribute towards this action, I'd never, however, withdraw funds for my own personal gain without express permission from the FC, and would be immediately replacing said funds asap.
Honestly in any mmo where you can put money into the Guild/Clans/FCs bank I've never once thought of asking for the money back as you are making a conscious decision to put the money in and basically say "Do with it what you feel is right for the group".
If the person is quitting, what do they need gil for?
Well, If it isn't spent give it back. If it is spend TO BAD...
Also.
There is no take backs.. unless agreement was made with FC leaders... NOT LEADER..
Every time I feed the bank with 1m gil I think of it a being spent on HAPPINESS of others
I'm going to concur with the majority here, and say that the player who donated does not have a right to that gil anymore.
Ultimately it is up to the FC leader(s).