A Toaster - to follow your example - doesn't cost 10+ Million as the crafting gear will propably cost.
Don't bring rl in here because there are man things you wouldn't do there.
We started out FFXIV being able to be everything we can depending on the time we invest or our regarding our own interests but we could.
My point? I don't wanna spend millions of my money for something a Shirt while ago I was able to Do myself.
Money doesn't give u the same feeling as if you'd have done it youself - at least that counts for me.