See that's the problem... I believe people still think the RMT controls most of the market when they don't. We cannot cap ourselves just because RMTs are here being "scary." Frankly, if you were on Behemoth you would see that most of the people on my server have 5+million Gil. How do I know that? I have been there since the game started and I have grouped/played with people.
I am not choosing to remain stuck I just don't want to lose my Gil that I earned.