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Whales
(slrpnk.net)
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Some people mentioned there are some additional features locked behind the specific mount this comic is lambasting. Something about AH and mailbox. I haven't played WoW so not sure how much of an advantage that is, but the closest FFXIV analogue imo is the extra retainers.
You only have 2 by default and pay an additional $2 a month for any extra. They allow you to basically bot farm some items every 30m to an hour(depends on how below your retainers level the target is) as well as more storage and selling capacity. Nothing is explicitly gated by it, but those who spend the money have a higher capability to earn in game money and/or have greater convenience if they use it properly.
For those of us who have had extra retainers for years, it's cost us way more than $90, but it's not a single huge purchase so can definitely seem like less in your head if you don't take that one small step of reasoning.