Sure you could pre-form like some have said but that is not at all the point.
The current loot system needs improvement and i agree with OP on some points.
I can go months without any sort of gear because RNG is a bitch in this game. And it is annoying as hell because i play multiple jobs.
And i am one that does not like to have to bother people just so i could obtain gear. People miss the point that keep insisting "just form a party with friends".

A token system would be best.