Indeed, having the option of multiple characters becomes a lot less attractive if our characters can't help each other along. There needs to be some way to create an account-specific "drop-box", whether it's a shared retainer, the (currently under-utilized) Armoire, or Moogle Mail. As others have stated, if RMT is the issue, that can be handled in other ways.

I see that this is related to my other current annoyance: not being able to send a friend request to a PSN acquaintance who just started the game, if I can't catch her online. I had been wondering why this was a problem. Now I understand that it's not a bug -- it's a policy. An unfortunate one, IMO.