1) Churn. FFXIV has a steady player growth due to new players coming in to replace old ones that leave (Source:
Lucky Bancho). Except, the old players are still here and make criticism about why they leave. The new players have no need to complain since the game is free and they have no investment.
2) A lack of places to talk publicly about the game. Balmung Ul'dah has a /shout chat that's similar to these forums in its opinion on the game, but conversation is filled with sex and ERP so you might have not seen it.
3) The "sweet and friendly" paradox. FFXIV has fostered a culture where people are extremely nice up-front due to the censorship from GMs and the overall need to be agreeable in order to make friends and do content. Negative comments are left to other sites like the forums. I have met some forum posters in-game and they have never said a negative thing about the game there. Of course, this is an anecdote, but it's just as true as yours.
4) You do not have a class that is level 90. This means that you don't have experience in endgame raiding or activities that other people do. You have nine years of mostly single-player, "solved" content to do by yourself to keep yourself occupied. Plenty to do. Once you finish it, then what? Perhaps a "break" to "play other games"
like Yoshida suggests? Many of us have already taken a break. We pay monthly in the hopes that someday we can have something to do in our favorite video game, which is this one.
A single-player game is fun for your first play-through, but after you finish it, then it's over. Why are we required to pay monthly for this? We were lured to FFXIV in the hopes that it would be an online game similar to WoW, Fortnite, Minecraft, Apex, GW2, PSO2, OSRS, etc. that has a persistent online community. That's what it was from 2013-2022 before the big single-player shift. You don't know what that's like. Now we've lost our favorite game and many of us are still in shock and bewilderment that it could fall apart so quickly.
It takes a lot for us to piece our (personal) lives back together again. Eventually we will, and we'll leave this place so you can have the game all to yourself. While you idle and play other games, of course.