I don't pay for a single retainer.
I have everything I need.
What on God's green earth are you doing where you NEED additional retainers? You only need them if you're trying to dominate the Market Board, and not even for that, or are an even worse packrat than I am, which would be truly impressive. I have an almost always full Armory Chest, close to 800 items in my Glamour Chest, stuff everything into the Armoire that will go into it, have maybe a dozen slots free between my two retainers, 15 or so in my Saddlebag, and I still manage to keep (usually) one full 5x7 bag set of my personal inventory free for overflow until I can dump or GC turn-in items.
Yeah, it gets stretched when I want to craft a lot, but I manage, and one whole 5x7 tab and part of another in my inventory is all current expansion reagents for crafting food and potions. So I'm already doing that, I just make it work.
The price for me is about $13 a month. For perspective, almost every other MMO sub I know of is $15-$20. So FFXIV is already cheaper than the competition. And as others told you, with inflation factored in - here in the US, we've seen 40 year record bad inflation that hasn't been this bad since the stagflation/oil crisis of the 70s before I or most people my generation were born or even a concept for our parents to think about - it's even cheaper. When I started playing FFXIV, I could get a meal at a drive-thru for around $7 and now it's $11-$15. Go through McDs and get a medium Big Mac meal. Or through any other fast food place, Burger King, whatever. It probably will cost you more than a FFXIV sub, and if it doesn't, it'll only be a few bucks difference. And that's ONE meal you eat in under half an hour vs hours that you can log into FFXIV in a month. Go see a movie - those used to be $5 a ticket, now it's $12-15 with the cheap tickets being $10. And that's if you don't buy any food or drink. It easily can cost you $25 to go to a movie ALONE. Double that if you go on a date, and 3-5x that if you go with a spouse and children.
Streaming services like Netflix have gone up on their prices multiple times in the last few years to keep up with inflation, too. So while they offer a comparable amount of hours of entertainment, it comes at a higher cost than FFXIV does.
FFXIV is a bargain any way you look at it.
If you're buying extra retainers, that's a choice you're making; you don't need them.
If you're buying anything ELSE in the shop, that's ALSO a choice you're making; you don't need THEM, either.
And you can even play the game FOREVER if you make a trial account. There's a massive amount of content up through level 60 and HW, and they'll probably expand that to SB/70 in the future. I'm not an alt-y person, but I have considered making a trial account just for funzies, but there's SO MUCH TO DO IN IT it's insane. People have done stuff like get Necromancer or max (for their level) all Jobs, get all ARR and HW Relics, etc.
We have the same amount of patches we always have, though I do agree the loss of a Eureka/Bozja Exploration Zone has hurt. I hope they recognize that with 7.X and add one in.
$40-$50 sub (once every 2.5 years, but let's say 2 to make the math easy and say you're paying roughly $25 a year in new box) + $13 per month (if you aren't doing any bundles) for 12 months = $181. That's roughly equal to going through a drive-thru 18 times in a whole year (more like 15), going and seeing about 9 movies alone, 4.5 with a date, or 2 with a family, and if you only spent it on gaming, MAYBE 3 brand new AAA games, if they have no sub fees, microtransactions, DLCs, or season passes that you also buy along with them. My electric bill is more than half that. My cell phone bill is more than half that. Filling up a gas tank is about a quarter of that.
Still a pretty good deal all around, and better if you consider any of those other things.
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If you feel ripped off...cancel your sub? Subjectively, if you don't like it, then don't pay for it.
But objectively, you're wrong: It's arguably one of the cheapest forms of entertainment you can buy.