I've never understood why grinding is considered challenging. And it's not just gil that I've seen people advocate grinding for.

"SE needs to make the relics like in FF11, where it took six months to grind out all the materials! It was so challenging!"

Grinding is not challenging. The only "challenge" inherent in grinding is if you have the patience or free time for such mindless tedium.

Then, with this, comes the added "challenge" of praying your FC leader isn't enough of a douchebag to stab you all in the back after you help pitch in for some money. Truly, it's a mark of utmost required skill.