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Mao used to play Eves Online. Is THE most viscious hardcore PvP game Mao ever played. Getting caught in Null-sec between two gigantics war fleets NOT funs! Is fortunate for Mao that Mao was ables go stealth and drift through gate. Even after thats Mao had to run likes crazy to get backs to Hi-sec.
Gil is far from worthless, the only reason people may feel it is worthless is if they have experienced everything in the game.
There's a major problem with the op's post: he or she forgets that not all players have his or her seniority. I'd also remind you that giving your gils to someone new isn't forbidden: I have fond memories of games where some people waited for newcomers at the spam point to pass on their riches, which helped a lot at the start of the game.
That said, maintaining a viable economy in an mmorpg has always been a headache (especially since the arrival of our beloved goldfarmers, who are an interstellar nuisance). These are games that suffer from chronic inflation, as each player creates money from nowhere. From that point on I find the answers a bit hard on the op, in the sense that they point to a real problem with this type of game (a devilishly interesting problem, incidentally).
I don't agree with the proposed solutions, but I also think that ffxiv lacks the means to melt the money. Instantiated housing, perhaps? That could create a significant leak, while meeting frequent demand (yes, I pull the duvet on my side too, I admit :p ).
True, but the FF14 economy has boundary conditions that prevent it from resembling a genuine market. For example, many crafted products cost a tiny fraction of the sum of the cost of the materials used to craft them. I suspect one reason is people craft to level, thus take a significant gil loss. There's no parallel in so-called real life.