is this the statue in the thaumaturge guild? and there was an actual quest in 1.0 where lolorito paid for it?
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Also in a sense, consider that Players are slightly divorced from the NPC/'real world' living requirements of NPCs. The player economy is probably extremely inflated, compared to the actual Eorzean market.
Self-sustainance isn't mandatory for players, as well as we get complementary access to inns. We have near limitless access to teleportation and air travel, of which most Eorzeans do not. We can operate for Eorzean days without rest and easily obtain materials from extremely dangerous places. The only connection we would have with the NPC/general economy would be through vendors, and we have no idea what the vendors do with our junk.
In a basic sense, to the Eorzeans', we players are immortal murder hobo death machines that occasionally show up to deposit our kill quota. I doubt real adventurers in Eorzea would be able to make as much gil as player adventurers do.
It was Rororaju who purchased the statue, and it's possible that it's the giant one, but not 100% concretely established since it doesn't specify the statue in question; he just says he bought a statue for them. On one hand, what other statue around there could be worth 10bn? Did they fit it in a back room? On the other hand, he says he recently purchased it (in English) and those statues look to have been there for quite some time. The "recently", though, could just be one of 1.0's many minor errors. It's a toss-up.
While I'm not disputing the rest of your post, once again I'll cite the price of housing. Given how much the city-states are charging for them, and that while they acknowledge the prices are steep, they still believe that there are adventurers who can afford those prices, it's likely that there are NPC adventurers who can make a decent chunk of change for themselves. The prize for the tournament in the Hildibrand questline was estimated at 30 million, after all. It's likely that there are other such opportunities for any adventurer out there, not just the WoL.
That moment when you brave the long abandoned great gubal library, retrieve a living, walking tome from it and it sells for 60 gil (to NPCs).
Personally, I like to think that adventuring in eorzea is actually a very lucrative thing - far, far more lucrative than crafting or gathering, which is why people are willing to risk life and limb pursuing this profession. The ingame prices simply do not reflect that because every player and their mother is a successful adventurer able to brave the deepest and darkest dungeons, with no concern for job safety whatsoever. An original, heavy high allagan coat goes for 286 gil to NPCs. That is LESS than Deidra in quarrymill gives you for helping pick apples. Duh.
It may be a boring answer, but in order to stave off questions like, "Hey, why can't I be on the Ul'dah council?" it may be assumed that however rich elite NPCs might be, player characters are mechanically unable to reach those numbers. In other words, add up the max gil limit for a player, add the max gil limit for a retainer multiplied by eight retainers. Multiply the resulting number by, say, twenty or so, and that's the entry point where you MIGHT find yourself barely wealthy enough to hobnob with the snobs.
I always thought that players can't be on the Syndicate because a) The WoL is probably not interested in politics, b) The Scions are supposed to be neutral in world affairs, c) There's a limited number of seats on the Syndicate, and d) Most of the time, the WoL is too occupied with their own affairs to run a country.
Someone correct me if I'm wrong on c), please.
my answer, thou not sound & going of facts probably already stated, would be find out who the richest person in the Real World is (Probably someone "Bill Gates" level in the high 2-digits of billions for net worth) & times it by 10 or 20 & that would probably give u the rough qualifier's to enter Eorzea's top 50 richest ppl (if 10 billion for 1 statue is true... even thou that cost just makes me go "WTF" cause I bet that what u'd have to pay to own every Large house in all 3 cities in all 7 wards & sub-wards... 100Mx4x2x7x3=16,800,000,000 okay was off but still WTF & that just for access land to make money for the cities even more when they add new wards & sub wards in 3.3)
edit: math was going off 4 large per zoned section, hence the 4x2 (4 per zoned map twice, for each full ward cause of the sub-ward also having 4) to to further simplify: 100mx56x3=16.8 billion (100 mill for large at max price "times" 56 large's for whole city "times" number of cities)... still makes it a bigger WTF moment if u try ading the Med & small's max cost to it... which can't at moment still in shock
Here's the thing. The Canon does not accept (nor deny) your partaking in Flavor mechanics like housing, nor do they take into account your coin purses. As far as everyone is concerned, you are essentially the worlds most powerful Hermit. Traveling to distant lands, doing odd Jobs, etc. etc.
To compare, note the other form of currency we use. Allagan Tomestones. Primarily used in getting Gear the amount that players ha amassed over time would not factor in how many there SHOULD be, despite my earlier in-jest comment about tomestones being endless. The reason being is that they are relics of a bygone era, grant one that built its tech to last, but this combined from them popping up in the oddest places, including places that were created after Allag's Fall, serves to imply that there are really less than what we have (like maybe 10000 of each type max)
Despite that it should stand to reason that the scale would be a little ludicrous. I manimun abount of Gila Players can have 99999999 gil on hand and on their retianers. with a maximun of 8 retainers, they can have a total of 899999991 gil, or almost 900000000 gil. I'd imaging the scale would match that as a medium at least, an at most an SYndicate NPC's wealth would start at that level with Lolorito (Or rather Lororito and Nanamo combined) in particular have something along the lines of 809,999,999,919 gil.
As it is, the weath of certain NPC would be enough to buy all of Hydealyn and probably several different planets at this point