maybe because I'm feeling a bit cynical or pessimistic today, or maybe it's the lack of sleep but beyond saving up for housing and doing pentamelds (if that's your thing), SE doesn't give you much of a reason to hoard gil. iLvl 90 items are farmable/droppable, HQ food is dirt cheap these days (I think HQ buttons are like 80g more expensive than regular on my server), and gear repairs are on par with tele costs. If I could see my gil and put it in a house and /swim all Scrooge McDuck style, then I'd be finding ways to get as much as possible asap.

part of me thinks that this is just some elaborate conspiracy SE has and that maybe SE does understand t3h 3c0NoM1c5 more than they let on. With no market in which to spend gil, there is no market for the gil sellers and RMTs. SE brilliance? you decide!