I'm still fuzzy on where "pay to win" is bad in a game where we're all working together? I understand it in a PVP setting (I know there's PVP in this game but as I understand it all applicable gear and progress wouldn't be affected by lots of gil) where if someone can buy a bigger better gun than you can then it feels unfair when they shoot you and your little f2p peashooter does nothing back. But ... we're fighting the bad guys together here, how does someone having their higher gear faster make it unfair for you?