Because if you are patient, you get stuff like gear anyway, via dungeons/24mans etc. Repairs honestly do not cost much. Only thing left to buy is stuff for crafting which can be farmed unless you're lazy or a house? Assuming there are some available on your server. Apartments only cost 500k and you can make that in a day as I mentioned via Palace of the Dead atm. You could buy gear and penta meld it? But that's if you honestly care. There's no objective value to things to this game because whether you have things or do certain things or not do or have them, there's no penalty. You wont be excluded from anything in the DF and the only person stopping you from finding people to do stuff outside of DF is yourself and your ability to socialize.
There's value if vanity is important to you, but as far as doing activities in the game, gil does not stop you from doing them.
