We don't need anymore gil sinks

[Incinerator2]

This is a video game, everyone starts from square one.
This isn't irl where people are born into billionaire families...

Except that's not true because people who started playing in ARR/Heavensward benefitted from playing early, as they have much more time to amass wealth. And you know what they say, you use money to make money. So it becomes a snowball and they make more and more money with the money they have. People who start later just can't catch up.