Largest house on Hyperion = 150M gil = 150 people donate 1M each, easy

[SarcasmMisser]

Do you think with these outrageous prices that people aren't going to be spending less money in the marketplace to save-up? That kinda puts a wrench in your 'make-money' plans if everyone else in every other FC is trying to do the same thing for a long time to actually save up for these houses.

This is exactly correct, and in fact this has been the trend for months now but the larger-than-expected costs of FC housing has just accelerated the process considerably.

Combined with the fact that money spent on housing is money removed from the economy, and prices will deflate far faster than the fixed deflation rate of the cost of housing. By the time it reaches the floor of 50% the ability to make money will be basically tied to whatever gil fountains exist, which is a galaxy away from the current disproportionate distribution of wealth thanks to the early market.

So the only conclusion to draw from this is since the current prices are dependent on the minority of individuals who have concentrated wealth in their own hands, once this wealth is gone SE will have no choice but to reprice according to the amount of gil in the economy. When you know this as someone very cashed up the last thing you want to do is spend now rather than waiting until a lot of gil disappears in the economy increasing your purchasing power.

This is why SE has made a terrible mistake, they are trying to encourage spending while flat out promising deflation of prices, which has the effect of encouraging hoarding even further. They shouldn't of skipped those economics 101 classes.

On top of that, you can SB ilvl55 gear at the same time. Just run 1 PLD, 3 WHM in full militia gear and make tons of money.

See the post I quoted above for the hole in that plan. Your way of making money is no different from other markets that have declined, and isn't immune to the effects of deflation. Other people have to buy that materia, it's still just a redistribution of gil rather than gil created.