What if the real problem is that there is nothing to spend gil on at end game levels? Gearing up comes from raiding , repairs are cheap if not free , and there are no real upkeep costs. We also don't pay taxes on housing which is interesting as I can't see people like Lolorito letting that stand for Uldah residents. Does anyone ever truely own anything? The short answer is only your own actions as even property in the real world is only on an indefinite loan to it's "owner" so the nation in which it exists can enforce the rule of law.