Fixing the name addressing is easy in my opinion. change <playername> to <you> and equivalent words and i dont see any problem with that, why should you? There´s not a big difference between a you/WoL and the playername. As long the dialogue is written in a way that its actually engaging. It also works in skyrim and similar games with no voiced protagonist. Fallout New Vegas has one of the best dialogues and your protagonist is also silent like the WoL.
If ESO and GW2 can fully voice MSQ which are "F2P" or "B2P" so can FFXIV. Even Mess Online can manage to develop an almost fully voiced MSQ.
Saying its to expensive for them is kinda like white knighting for them so they can be lazy in that development stage.

We have the second biggest playerbase and a subscription model. It is not to expensive for them. Its an issue of net income growth. Stop telling yourself they dont have enough money for that. The last quest in 4.3 was a real bummer because it had no voice acting. I was looking forward seeing an awesome 20-30 minute cutscene and suddenly i had to read one of the most important scenes in the newest addition to the story. That doesnt make sense, like at all.

We all expected more voiced cutscenes and Yoshi-P told us that they would make more and more voiced cutscenes. The last 2 quests are very dialogue heavy compared to the rest of the patch. So for me it doesnt make sense at all. It is the first time im dissapointed by the overall presentation of the story. Its just lazy on their end.