GIANT WALL OF TEXT, so I'm sorry for that. TL;DR: I feel like my character is a stranger almost everywhere I go in Eorzea, likely for several reasons: inhospitable NPCs, no player housing, no fame system, and no loyalty to one's hometown.
I've fallen in love with FFXIV, and I've always felt it has the potential to be a really great game, but there's one thing that's nagged at me since Day 1 and made me a little less enthusiastic about diving into the world of Hydaelyn. Fair warning: there will be FFXI comparisons, since I played that game for years before switching to XIV, and I feel like it tackled this particular issue in a different way (which I personally enjoyed more). Anyway, on to the issue:
From the day I set foot in Eorzea (wayyy back during closed beta), I've never felt quite welcomed by its NPC inhabitants almost anywhere I go. In Gridania I'm not "forest-born" and I'm tainted with woodsin, in Ul'dah I'm considered a naive country bumpkin who obviously "isn't from around here," and in Limsa Lominsa I'm threatened and told I stick out like a sore thumb. Most NPCs I encounter are either making fun of me (playfully or mean-spiritedly), taking advantage of me, or being flat-out hostile. Some are neutral, and a very few (particularly those involved in the Path of the Twelve storyline) are genuinely nice.
Even in the city in which I started (Gridania in beta, Ul'dah in retail), which I would think would be the closest thing to my character's home, I'm treated as an outsider and end up having little reason to feel loyalty to it. This particular issue of loyalty has been dealt with somewhat by the introduction of Grand Companies, but since you can join any company you choose, it doesn't inspire the same kind of hometown dedication that might otherwise exist.
Part of this feeling of not belonging is probably inspired by the fact that we currently don't have player housing, and therefore our characters don't actually have anywhere to call home. Fortunately this will be remedied some time in the future.
However, I think another key cause is the nature of NPC dialogue: the demeaning, swindling, threatening conduct that makes me feel like I'm not wanted unless I'm running an errand, spending money, or otherwise doing favors for NPCs. I understand that FFXIV is intended to be a more mature game than FFXI ever was, and because of that it's a little more gritty and realistic, but the NPCs' change of tone between the two is pretty drastic. I still remember being shocked and indignant in FFXI when Halver called me a furball, since that kind of blatant verbal abuse was so rare, but in FFXIV it's par for the course. Nowadays I just feel embarrassed that my character doesn't stick up for herself, but the fact that I'm being badmouthed is no longer a surprise.
Another facet of this is the lack of changing NPC reactions as your character grows, aside from new quests being opened to you. In FFXI, NPCs would take notice when you gained levels, specifically giving you quests because they felt that you looked strong and experienced enough to handle it. In XIV (outside of the main storyline and maybe class quests) I've only ever been told that I look sufficiently bored, that I must have lots of time on my hands, or that doing quests is just what adventurers do, so obviously I must want to help out. In the case of class quests, it's usually implied that the guild is doing me a favor by allowing me to help out with their affairs; rarely am I called upon because they genuinely feel I would be the best person for the job.
Furthermore, FFXI had a fame system that allowed you to unlock even more quests after you had completed enough to build up a reputation around town. NPCs would start recognizing you and knowing that you had helped out their neighbors and made the city a better place. This really made me feel like I was a part of the in-game world and that my character was someone that people appreciated, rather than just a nuisance or another sucker to manipulate.
I know that this game is still young and that our characters are basically nobodies so far, and plus we are kind of weirdos what with the Echo and all. I may also be oversensitive and just reading too much into the way NPCs treat us, but for me it makes interacting with the realm of Eorzea noticeably less pleasant. (I also miss having monsters think I'm so cool that they follow me around, but that's an entirely different discussion...) Has anyone else felt this way? Does it become less noticeable at level 50, or do you just grow accustomed to it? Would you change it, and if so, how? Sorry again for the giant wall of text, and if you've made it this far, thanks for reading and for any feedback you may give!