It should have come to them from experience in XI. RMT ran the economy there for years. SE started making big gil items like O.Kote rare/ex and they had a team dedicated to investigating and banning gold sellers. They used to have huge ban waves. It seems this time around they went with the approach of designing things to directly combat RMT activity, but ignored the fact that if it sucks for gold sellers, it's going to suck even more for legitimate players.
This whole game feels like it was designed and developed in a vacuum where people were sucked into the big groupthink machine. It still boggles my mind how they have a decade of experience and solved problems in XI, yet they still exist in XIV. Where's the forward progress?