Ughhhhh, I hate it when the economy fluctuates so damn much in this game lol.
Thankfully Gil isn't too important these days. The first time I quit when the cap was still 75 I made the mistake of not selling my gear before quitting. When I came back and the cap was now 90 all that top notch 75 gear was now junk. My 3mil Hagun was down to 10k, same with my Blau Dolch. All in all, I lost about 50mil in gear depreciation.
I also lost another 12mil because shortly before I quit I laid out 12mil to buy the 12 imperial wootz ingots needed to obtain the Morrigan's Robe. Shortly after I quit SE reduced the number of ingots needed to 6 to make it easier, so there was 6 mil gone and when I came back the ingots were going for 50k instead of 1mil. So to obtain a body piece from Salvage you now only needed 300k instead of 12mil.
The worst part is that the Morrigan's Robe, which at 75 was the god-like nuking body piece for Black Mage, was no longer the best at 90. So all that money I put in to get it was somewhat wasted. It did still have its use as a nuking piece for Red Mage and as a weapon skill piece for Blue Mage, but still, it lost most of its grandeur sadly.
It ended up not being such a big deal though since at the time of my return Abyssea was where all the best gear came from and it was all mostly free. So the lost of all that Gil wasn't too bad even though it hurt pretty bad at first.