I'm sorry, 300k gil is not a large sum of cash, and SE cannot be blamed that the FC you did decide to bank on lasting folded and you lost your gil investment, #realworld. The system in place makes a lot of sense tbh and doesn't require a fix.. The same goes for having to pay for additional private quarters if your FC drops you or disbands. The game is asking you to take a risk at spending a large amount of gil and not guaranteeing once that money is spent that you will continue to keep what you paid for.
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