dungeons give you free gear. wear that gear instead of your A-list gear. spirit bond it. and then profit. Even Andapor keep doesn't require you to use your absolute best gear at all times. get a cobalt set if you're a tank. wear it through the trash pulls or sac pulls and then switch to your A-list for the bosses. I've done this a number of times, and it allows you to farm materia to gear for coil and get materia for your relic.

Some people have no foresight at all....as a battle class i get everything for free. the only thing I have to spend money on is repairs. which can be minimized by spreading the damage out of your trash gear you can convert...