It's a problem more complex than what you make it sound.
If you really want to blame someone for RMT, blame SE. They've stifled player ability to compete and profit on the MB by limiting the listings we have on the MB to just 40 - unless we pay them real money to increase those listings to 200. They've already set the precedent of spending real money to be able to get more gil.
Because we have fewer listings, there is less competition. Because we have fewer listings, we have to charge more on what we can sell to make it worth our time and effort.
Some players decide to bypass the real money plus more effort on the MB route to get more gil by paying the extra real money directly to the gil sellers so they get more gil immediately without additional effort.
If there was no cap on MB listings, prices would drop rapidly as more players were listing more items. There would be less need to pay real money to get more gil.
I used to do things to crash prices of certain commodities in WoW and bring prices down to what I thought were reasonable levels (at the very least they were much less than what other sellers were charging). I was able to do it because I could have as many active auction house listings as I wanted. I could cut my profit margin down to 10% but it wouldn't matter because I would have 500 listings selling daily to multiply that 10%.
I can't do that here. Here I'm limited to 40 listings so instead of setting my profit margin at 10%, I set it at 300%-400% (or more) so I can play the rest of the game and still make some decent gil instead of camping my retainers 24/7 to constantly relist what just sold.
If I try to price low, someone will buy to resell higher knowing there's a lack of competition to force the price to stabilize at the lower level. I might as well sell higher in that case so the gil goes in my pocket instead of into that of another seller.
Don't get me wrong, RMT would still exist here just as it does in any game even with a change to the market listing system. There will always be those who would rather use the money they have in real life to get what they want then to put in the effort. But at least, prices on the MB would be much lower for those who want to be able to enjoy the game without resorting to RMT.



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