I really don't get this with this game. FFXIV releases more content over the course of a year than any competitor, the sub @ $15 is like 3 games a year and I imagine most people are getting way more hours of play out of this than they would most any 3 games, and as mentioned all the stuff in the cash shop is cosmetic.
I think an argument should be made that items purchased in the cash shop should be available to sell on the market board so that it helps curb some of the RMT (you can't kill all of it unfortunately) and makes items available to those with little extra cash, but I don't think its fair to lump FFXIV in with some of the more egregious examples of bad games with bad cash shops.
edit: also if everyone could pay a higher amount monthly they (you included) could just as easily set aside that money to purchase the items in the cash shop.