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It's to avoid gold farmer and real money transaction sites that destroy the ingame economy.
It's also a demo of the game. If you want full functionality buy the game.
At most there's the cost for one stage of the initial Relic Weapon grind, but that's 4 items totaling 400K that you don't need to buy all at once anyway. That alone is the only reason my main is sitting at about 550K instead of 1M.
From my own experience, you don't even really NEED to use it for anything outside of crafting or getting some of the Relic Weapon materials, and if you're intent on doing that grind on a free trial, it'd be easier to just level every single crafting profession up to the point they can desynth for the HQ items you need to finish the Zodiac step.
To be fair, getting 300K isn't that hard when the game hands you every piece of equipment you'll need just by doing sidequests and the money you get from questing just builds up since there aren't any real gil sinks in ARR until level 50.
I thought about it myself and yeah, makes sense for the cap to be there, though i feel like it should rise with a few milestones reached in quests, maybe a few MSQ but mostly through side quests, as those don't always give out the best pay.
PS: really the only reason i haven't bought the game yet is that you can't go back to the free version with all the restrictions, essentially holding your character hostage.
Edit: They could add a banking system or something where essentially you can put all your gil with no cap somewhere and you can only buy items from normal stores with em, probably add a modifier to not be able to sell those on the market board, boom, bot problem solved.
Or maybe even go over the cap as long as you're in the store menu, soon as you tab out you discard all that.
The Old Republic has a thing like that, where if you're over the currency cap, which is 1M Credits right now, then stop being a subscriber, everything past that goes into an escrow account that be withdrawn with a Cartel Coin item or just shunted back into your wallet if you re-sub. :P
There is exactly one item that costs more than 300k gil that a trial user could actually buy, and that's a mount.
It's meant for you to get a feel for if you like the game or not and to buy it and still have goals to work towards.
A gil cap, on top of RMT trade controlling, serves as one way to keep players on trial with multiple things to work towards when they buy the game.
Things added in the future is not a factor SE will take into consideration when adjusting the gil cap. Because by the time later has come around, that player should have figured out if they like they game or not.
Also when it comes to boosts: you can only buy then once per account, not multiple times, so you cant "buy your way up" there are only there if you rly startet fresh on a account and want the boost, but only once.
The story gives you much exp, you never have to worry about active leveling, and when you reach the point where you may want to swap class, the lower leveld classes get more experience and you probably unlocked the roulettes at this point.
RMT is actually a BIG thing, depending on server you can see sellers all day in the city hubs, spamming links and offers. In partyfinder you see multiple sellers offering RMT for kills/clears.
You alrdy got the basegame + 1 expansion worth of content
I really want to buy the game myself, but i don't feel good about the fact that i can't ever return to free trial after i've bought it.
I'm hoping they might change that, cause if they do i'll buy the game in a heartbeat.
Trial is for new players not returning ones.
IF you want to buy it play the free trial until you maxed everything to 60 and complete heavensward.
After that you need to pay anyway otherwise you are stuck without a way to lvl any higher and do any new content