Who are these people with all this gil
"Oh just do x"
"Well if you only play 1 hour a week"

It's off topic, but also not.
I took two weeks off work (chance) when DT arrived. Played XIV all day most days. My crafters still aren't levelled. I completely missed out on savage being too late. I can't afford crafted gear. (I spend my gil on nothing, not glam, not minions, not mounts) I don't every seem to have a job geared when there is an opportunity to try high end with people I meet.(Week 1 gear is not a fun way to try high end for the first time)

Back when DT came out I had 12,000,000 gil except for about 6 weeks unsub. I've been playing all evening everyday for the last 3 years. I bought a house, and an FC estate during Endwalker. I don't spend Gil on glam or mounts or anything. Now and then I'm generous and I spent more on friends than myself. I might get a barding or something for them for 200,000 which to me is hugely expensive. But that's like once a month.

Hardly anything ever sells on mb. I put it up, I come back after the next dungeon and it's already been undercut. I've given up. Now I put stuff up. I might of might not check it the next day. And mostly I just end up having to npc sell it for 2/3gil.

None of the things in game that I enjoy doing, rouls, get you any gil. None the things I do game are any good for gearing for high end either. (Not until the content is over) Crafting is impossible, it takes ages to experiment with recipes that dint break even just for levelling. It's just F hopelessly tedious and overcomplicated.
I know exactly what's going on, add-ons and mods. If your using these you get an exponential advantage.
Heck even if I have something that's valuable I don't realise probably. I know there is an add-on that cheats even with this and gives you the mb price i of every.drop. That annoyed me. In maps I used to think people were looking stuff up. Then I find out their game was telling them and mine isn't. So I get a bit of stuff out of maps, but then my inventory is full, I have to start passing, and when I get back it's mostly worthless junk that I've got. Inventory management is frankly is anti-fun. So maps once I've played them once I dint bother again. No challenge, and you don't get a lot of gil, maybe 100,000 on a good run. That's about 150 teleports.