with 3.5 trillion gil in circulation and how much some people have amassed, the current limit just doesn't make any sense. It discourages people from moving cross world to find a raid static. It discourages players from meeting up with friends. And saying its to prevent RMT abuse isn't a good reason. RMT preventative measures should NEVER come at the cost of making the game less enjoyable for legitimate players. WoW had a gil transfer limit of 1/4 of the possible max (in FFXIV numbers 250m). The current transfer cap is 1/250 of that.

If you need more gil sinks in the game, just add them in a meaningful way instead of straight up deleting tens of millions at a time from players that worked hard for it. And investing into items isnt really a solution for people with 100m+. We shouldnt have to do that much work to retain our money.