You should have way more than that. Just doing roulettes as adv in need would net you roughly 100k a day. I don't craft or gather to make money and I'm over 100 mil...
I often spend it on crafted gear for my battle classes, HQ food, HQ potions, chocobo food for leveling, orchestrions, fashion report, it all easily falls away.
Sometimes I've spent it on mounts and minions, but this was really when I got gil from a one-off selling of materia from hunting.
It takes a while to build up a million from roulettes, particularly if you skip lengthy ones like Main Scenario and Alliance Raids. I level every class every expansion through roulettes, and got all of the tank mounts through roulettes too and cap tomestones through expert roulettes, and only recently stopped having a reason to do roulettes.
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