This is the part I don't believe most understand. I think a lot of the opposition thinks some people just magically have more money.
I has a job, I work a lot. I play FFXIV to relax, not to put in another 40 hours a week farming for stuff. My time is worth significantly more than 15 extra dollars a week.. or even 100. Giving your players the option to trade money for removing tedium is smart.
In the end we are all spending TIME. How you spend it is entirely up to you though.