Here we go YET AGAIN.
Please, OP, do research before posting.
This has been addressed multiple times.
Basically:
SE specifically designed this restrictive system in an atempt to discourage the transferring of gil and items for real money by RMT (Real Money Traders), or 'gilsellers' as they're also known as here. It hasn't been too successful, but really, there is little need to have 'mule' characters for item storage anyway (thus negating the point of sending things between your own characters), as that's what retainers are meant for - extra storage space.
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