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Sarga has an absolute sh*t economy
Are you on Sarga? That's where I'm at! What's your in-game name if you are?
And yeah, the economy was pretty much crap. There was really nothing for the average player to spend money on, and everyone was saving for housing. The silver lining is that making gil in this game is pretty easy... and with no reason to spend anything, it's easy to accumulate gil for later. I've got close to 1.5 million gil on me now, and that's after paying about half the cost of my FC's small house... and I'm far from being a hardcore crafter or anything like that. Usually, the only thing I craft are rings/jewelry to spiritbond with.