So, Mog station here we are

[Eldevern]

But there is ALREADY P2W option !

It is not P2W. P2W gives advantage in PVP content or provides a pretty unfair advantage to make money ingame. Even considering retainers, FFXIV is hopefully far from that. You probably haven't play P2W games to not see the difference. Go try ArcheAge, Aion, BDO, you will see how P2W works and it's mainly a PVP matter (buffs, food, access to some content, some kind of "allowed RMT" with reselling shop content IG etc.)