Don't forget other options like retainers and whatnot which add an additional cost. If your already have several characters on several worlds the games might already be calculating cost of all the active characters and "billing it"? Ultimately, delete characters you aren't going to play on servers you wont play on. Tip, you cannot send items/gil to characters that are not on the same server. So, if you have storage characters delete them if they aren't on same server.