The Gil limit isn't a problem today, with all workarounds they are in place.

I'd better like something as a transfer fee for anything exceeds 10M. Given you can buy items and resell them after transfer, it may be reasonable just put a 5% fee on transferred Gil exceeding the 10M and this saves us the hassle to deal with market to achieve same result. And, as pointed above, I maybe can even get more Gil tran I started from, with a correct choice of items to transfer (and market to sell) with me.

Yes I know I can also skip fees but let's say I'm lazy and wanna transfer right away.