Game is huge, large player base that OP shouldn't make such generalizations. A lot of people clear end-game raids and savages while on-content. In-fact most players who don't know the statistics are wrong about ultimate clear rates too, especially when JP servers always have double digit clear rates, and savage is 30% average clears versus 15% on a good raiding NA server. A lot of people do the latest and greatest, new and old alike.

As for gil, you have to be constantly poor to ever worry about gil in this game. If you made a lot of gil you have no emotional attachment to 'play' the market board, which is why many offer cut-throat prices, you know who is the one scraping by versus this is just another hobby.