Why not to do well in the game

[Mezolitik]

This is why the housing thing is such a farce.

It was made abundantly clear a few weeks back (with the blanket bans) that having lots of money will flag you up for investigation; now, SE has basically come out and said that having lots of money is mandatory for certain parts of the game - yet it sounds like anybody who attains such vast sums of gil is still gonna be viewed suspiciously.

It's so backwards.

[Gamemako]

So what is to prevent SE from looking at a fc's savings for an FC, trumping up the charges an accusation, and robbing the whole FC's savings' blind?

What's to stop them from arbitrarily banning random players for the lulz? The better question is what would make them want to address player gil. I think it's clear how they're playing their hand with the earlier blanket ban and the Legacy housing pricing. They could be aiming for the same thing here, but I'm still pretty fuzzy on OP's claim of anyone in his FC having nearly the gil cap. I don't think he even has a Builder of the Realm in his FC at all, and I'm pretty sure the many wealthy crafters I know haven't said a thing about gil being taken.

It was made abundantly clear a few weeks back (with the blanket bans) that having lots of money will flag you up for investigation

It rather appears that none of those crafters were actually investigated. They were blanket-banned and gil confiscated without any investigation, and requests for a proper investigation (which would exonerate the player) were denied. It remains my assessment that the bans were not so much about RMT activity but about clearing some of the gil that trickled up from the dupe.