(1) You get over a million gil by doing the MSQ to Lv60. (Im fairly sure I had 500k by your level, if not waaaay more.

(2) Ive NEVER spent a single day trying to go out and earn gil. By just leveling up, doing MSQ, and or doing dungeons for fun at endgame (as I dont really do roulettes, i hate grinding too hard) I easily have 10 million gil, simply because there is no reason to ever spend my gil, and the game throws it at you.

(3) Yoshida said not to worry about the 90 apartment limitation, as there is no "actual" limitation, unlike housing, because the game will add more apartments, if they all get filled up. This will be done infinitely to match the demand from the player base.