I understand that there is an outflow of money in this game. However, there is also an inflow as well. Later on, the quests start giving you Allgean Gold Pieces, those are worth 2,500 gil. If everyone would run dungeons till they get good gear then no one would need to choose the gear rewards from quests and there would be more money coming from NPC's and injecting itself into the economy. It doesn't quite even out, but I think it is close. I have 67,000 gil and have done zero crafting on this character. I don't think the problem is as serious as people believe.

(Please don't flag me as a personal wealth, non understanding, dunce cap.)