You can buy loots/mount from savage tiers (with my alt I pay each person in a farm pf so they dont roll on some items)

You can buy mounts

The usual craft/consummables/housing/glam

You can pay people to do dungeons with you (for example hire a tank+a heal for DT release to do 80-90 dungeons in order to level up faster Viper/Picto)

You can organize events with gils prices

You can offer gifts to friends

I dont think it’s that bad