I will preface this with the fact I have 9 retainers, that means I am paying for an additional 7 retainers each month. I have also made an incredible fortune off retainer quick ventures even though I have yet to complete ShB, through dyes and various tradable gear/glam/furniture I have managed to sell on the MB for no effort and a lot of money over the last several months. I even made server first in April for the amount of grand company seals that I had earnt still not having completed SB just because my retainer quick ventures.
But as a crafter, I have seen that retainers have replaced crafting on hundreds of items across the market. From Furniture to the Tradable armours to Glamour, retainer quick ventures have made hundreds if not thousands of items worthless to craft and have disrupted market forces creating a massive oversupply in many areas. Take South Seas armchairs as an example which I checked on my server yesterday. 20/22 items were from retainer quick ventures. (not crafted by a player) which means it's entirely pointless for a crafter to craft any south seas armchairs as there is an oversupply that isn't mitigated by the lack of demand. It only results in a downward spiral of the price until people buy them up just to desynth for materials as is the case for many markets.
For those that craft, it means fewer and fewer markets they can realistically craft in, namely those that aren't targeted by retainer quick ventures. But this has a knock on affect to the materials market too making gathering many items redundant.
When it comes to treasure maps, only the current content is really economically viable for players, older content is often completely economically unviable since the overabundance of glamours that no one wants anymore from the quick ventures.
It completely devalues multiple gameplay loops (crafting, treasure maps, gathering) and ruins the whole point of this game being an MMORPG when one of it's fundamental pillars (economy) is undermined by a a largely pay to win mechanic essentially.
In short, Quick ventures ruin the game's economy and need completely restructuring to just give dungeon only gear and dyes)