
"free to play games" don't make you subscribe to anything, that's why it's "free to play". The equivalent to subscribing for P2P would be microtransactions (buying) for F2P.
Edit:
I agree with the suggestion to actually buy the retainer instead of renting it, if SE insists on having the players pay for extra retainers.


In fact no, there are free-to-play games out there that include monthly rental items as part of their cash shop. Usually costumes, occasionally weapons.. depends on the game. However as you've correctly pointed out, these games have no attached subscription fee. I've never seen one that rented bank space. It probably exists now that I think about it because there are approximately infinite free-to-play games out there, so the law of large numbers comes into play.
FFXIV is not a free-to-play game.
Since FFXIV has a subscription fee attached to it, there's a certain expectation of what you're supposed to be getting. So when I say that not even a f2p game does this, it doesn't mean that it's a really cool idea and a sub game should do it. It means that even a game that doesn't have a guaranteed regular income from every one of its players doesn't stoop to this.
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