Simple solution: if your a FC leader then only give yourself promotion/demotion capacity. If your not the leader then keep all your Gil that you would put in chest and either keep it separate from your personal Gil or just buy what your FC needs. The only reason I've found to put all your eggs in that 1 basket is if half your crafters play at different times otherwise it seems safer to just have everyone hold their own gil. Too many scurvy shisters out there these days