I think we're talking about beyond scribs.. as in, bypassing the time limitation altogether and just getting to the most profitable scenario which I believe will require some heavy heavy investment (got a stack of each craft IV materia ready, they're cheap right now too)
There will be people doing the self sufficiency thing within the first week if not a couple days, those will be the people making most of the money, rest will have to pay through their noses to gear up or wait months using scribs. (Then when you consider that if you reach the top a few weeks quicker, you'll be making money that much sooner.. so most will probably just pay the premium to get geared up)

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