Crysta Limits Prevent Paying For Retainer Service

Here's a small problem with the introduced retainer service.

Standard 180 Days: $77.94 (7,794 Crysta)
Retainer (2x) 180 Days: $24.00 (2,400 Crysta)
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Total: 180 Days: $101.94 (10,194)
Limit Break: 194

10,194 Crysta for FFXIV alone plus:

Basic Service Fee (30 days*6) 7,170 Crysta
Character Fee* (30 days*6) 600 Crysta

Total: 17,964
Limit Break: 7,964

*(Assumes One Extra Character)
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With Square Enix branching into two MMOs with more options available that draw on monthly fees that also use Crysta, they really do need to reconsider how strict they are with the pool sizes. Despite my sticking to FFXIV, I can't even pay my recurring that is due in 19 days with my chosen payment option because of the limit. Am I going to have to disable a retainer and re-subscribe every six months for that one?