Meme about housing being a real end-game isn't really a meme in FF14, you see... It's quite costly (for the most part because it's popular so crafters can sell furnishings for quite high prices because they know people will buy it).
The normal house cost quite a lot as well, and you can lose for being offline too long or not visiting the house - 45 days of inactivity and you are homeless again.
But on the other hand, aside housing, there is barely anything you need money for. When you hit maximum level, the clothes you will hunt for are from either Raids or Tomestone exchange. And for Materias you can get items that allow you to get them from special NPC, so in fact you can gear your character almost without money spending. And speaking about materia btw... there are armor pieces you can Convert into one once you spiritbond with said armor piece is 100%. And then you can sell these Materias on Market Board. That's one of the easiest ways to get money without crafting.
