It's not millions for nothing, the money you are getting is enough to cover the cost of repairs, and maybe a few teleports here and there which is VERY NICE change of pace. Now you can easily do dungeons without having to worry too much about repair cost. You can use the extra money to buy food to boost your abilities. You can teleport around a few times a day knowing that it will not zap your gil too much. And you can set hp in starter cities since its cheaper to use boat and airship now.