Yeah, I understand how it works. It's still a really poor game design that needs changed. The game is essentially taking your items and deleting them if you haven't played in 45 days, which is absolutely ridiculous. Imagine if the game deleted your gear, items in your bank and up for sale on your retainers in the same way. I can't understand the logic behind it. The same goes for having to pay for additional private quarters if your FC drops you or disbands. The game is asking you to take a risk at spending a large amount of gil and not guaranteeing once that money is spent that you will continue to keep what you paid for.

Why wouldn't they just make private quarters be owned by your character, but only be able to have access to through a FC instance you are apart of? This is my stuff, I own it, and if I move to a different FC it should still be my stuff, where I had it placed, not be deleted because I couldn't keep my sub active for 45 days or more.