You can buy pretty amazing endgame gear via gil, though, but they didn't make endgame progression TOO money dependent (otherwise you get a mess like Aion...).
And all of the "extras" are what other MMOs have as well.
What XIV IS missing is a plex system that allows players with an abundance of gil to spend it on the game time that was purchased by players who have more RL money and less time to grind currency in game...