Will I ever be able to create a character in a congested world?

[Lordrius]

You can name change a character through the optional services in the Mogstation, but it costs $10 USD.

As I said in the original post - "fantasia and name changes are out of the options, because it's too much expensive to me."

[HyoMinPark]

As I said in the original post - "fantasia and name changes are out of the options, because it's too much expensive to me."

Then your only options are to just Fantasia your main regardless of name or wait until they re-evaluate the congested worlds and see if Cactuar is still congested or not. The next evaluation will probably be around Shadowbringers Early Access.