well there are some reasons for this... first of all like i said before i don't have time for crafting or time bounded gathering spots, second im fc leader so 2-3 retainer are just for fc stuff (furniture, airship/company project stuff) and rewards/gifts for my members. although i have a good paying job RMT isn't an option for me so... taking the optional retainer is my way to go for increasing my ingame-income ^^