That's the big problem though. Adding too many unique mounts or cosmetic gear items will ultimately just burn the people who can't afford it if they start to feel like all of the cool stuff is locked behind being able to pay for it rather than earn it. If you add any kind of statistical advantage then people will complain about the game being pay 2 win and then the exact opposite of what's intended will happen, people will start buying more gil from gil sellers to buy the boosts. Meanwhile, let's look at like the actual problem. On one hand the community has a lot of gil so the value of items is a bit wonky and anything that has a gil cost will ultimately not be worth that much. On the other hand; people with lots of gil will complain they have nothing to spend their gil on. But is that really that bad? Nothing in the game forces you to earn more than a billion gil. If you don't like sitting on a mountain of gil, just don't earn it. Find something else to do with your time. Square spending too much time trying to find gil sinks that don't actually solve any issues - and instead can introduce new ones - seems very counter productive when the problem of people simply having too much gil in an economy where gil doesn't actually carry that much weight in the first place is kind of weird. After all, once you hit cap unless you're crafting; gil isn't really the currency you spend outside of cosmetic stuff. Tomestones are. There's a reason why anyone who doesn't actively and willingly spend all of their money winds up with at least a few million at all times: because there isn't any meaningful use for gil beyond housing.
Which brings me to my proposal for the only really meaningful gil sink I can think of: a complete housing overhaul. First step: instanced housing. Give everyone a house. Make it small, let it start as an apartment sized little thing with access to a small garden and a workshop. Then, with gil, let people expand and customize it with the costs getting exponentially bigger as the size of the house increases. Finally - let people create their own little instanced neighborhoods. Make the costs astronomical to "buy" an instanced plot that you customize how it looks and lets you list which friends houses show up (thus allowing you to teleport into their instanced houses from this plot) allowing less rich players and FCs to work together to pay off the costs as well. So you don't lose the neighborhood feel - but also you don't have the static permanent plot system of the current housing system meaning no limited housing availability, and also throws in an obscene billions of gil worth gilsink for the crazies so they can make the perfect little neighborhood of their own.