I know how markets work. I literally am studying economics in between posts here. There is more than enough gil in the market to have tokens are the very minimum selling for a million gil. More realistically, considering there are players with literally hundreds of millions of gil, they would be going for several million gil each. Further, because the tokens are a consumed commodity, people will keep buying them every month and as the price of the tokens goes up, those who play the market will look to generate more cash, particularly if the people who have sold tokens start increasing demand on the high value items like the high ilvl combat gear. These factors will put upward pressure on prices. Why? Because that is literally how it works in the real marketplace and that is a place where regulation is designed to control those factors.
Your completely missing the point here. At the end of the day, this system will allow you to buy gear just short of the best available in a tier with real money. That is Play-to-Win. It fundamentally devalues alternative methods of gear progression. Could they spend it on something else? Sure. However that doesn't change the fact they can, and will, buy gear that only Savage raiding can out do with real money under such a system.
The only way around this would be to change what high level crafters can make but that in turn will effect the reward value for the effort it takes to be a high level crafter.