What if it does? Looking down on people with lower incomes and implying they should simply cut out a couple of luxuries and pay up is both rude and condescending. It is also totally missing the point. This is a subscription game, we shouldn't have to pay extra for basic utilities. Extra retainers are supposed to be a luxury, not absolutely necessary to play the game. The expanded Armoury was a step in the right direction but it isn't anywhere near enough, it's still hard to level multiple classes and store all the gear-sets needed for them along with their glamours.
I do agree that the currency tab should be expanded and that the Armoire needs to be made more useful. Quite a few times recently I've decided against buying glamour from the Mog-station because I know I'll have trouble storing it. If I could put it in the Amoire it would be different, but paying for the gear and then paying even more money to rent the space to store it is something I'm not prepared to do.