You can join and speak in Novice Network as a work around to communicate with friends if you don't have a friend with an actual account. If you do have a friend with an actual account they can invite you to groups and such so that you can communicate with each other then.
First off it doesn't take "100's of hours for so little (I assume you meant little instead of litter) benefit/reward". There are plenty of ways to earn gil even high amount of gil in game. You don't need to have a person trade you millions of gold at once or even from a single character. Gil face-to-face transfer is capped at 1 million (I know this because I gave my boyfriend 2.5m once so he could try to get a house & needed the extra gil for it. Had to do 3 trades with him to get it done. Also WITH the 300k gil cap in place just means that if someone bought 3 million gil all the seller would have to do is get on 10 characters and
trade 300,000 to the buyer and BAM there's the 3 million transferred.
You'd be surprised at how much gil a lot of players are sitting on at any given time. My highest job is only 61 (got 1 of them at 61 besides my crafters who I have 2 that are 80 already and 1-2 more I'll hit 80 with later today after crafting some stuff on them). IN my time playing I've spent an additional 5-8 million from what I can think of between a house, an apartment, housing items, orchestrion rolls (before I started making them myself to sell to others), glamour gear, dyes, mounts, minions, and materia. I'm sitting at 3.7 mil currently because of selling via the market board some expensive items I have found, gathered, or crafted. Palace of the Dead can be accessed on ANY level after you've finished the MSQ up to 15 and unlock it. There are accursed hoards that drop in there you have to get identified outside of POTD which can contain glamour items, mounts, and minions. I've received many items in the 4 runs I've done of it that sold for quite a bit of gil. One of them was a mount I made 65k on and two different glam items sold for 150-225k and a minion for 25k. As for making gil on the market board via crafting, I've made ALL of my gil there. I craft orchestrion rolls which sell for godly amounts on some of them (buy the faded roll for literally 1-500 gil at the most, craft it into a usable roll, and slap the shit on the market board), I craft glam items, I craft HQ gear people want wear when they level up a job, and I craft high end potions/food that people use. My orchestrion rolls sell for upwards of 200k a pop (you can see price listings below and those were refreshed as of 5 minutes before this post of my when I went on my FFXIV account to get the screen shots). You can see in one of the retainer funds withdrawal I'm sitting at the 3.7 million after taking out all of the gil made since I logged off last night. And for the record, that shield (I crafted that not a lucky loot drop) you see posted for 749k has sold 2 other times for 1m each. Making gil isn't difficult
Combat Job levels
Craft/gatherer levels
Retainer selection window showing how much each of my retainers have on them from sales
Transferring 500k from one retainer's sales
Last gil transfer showing the total gil I now have on myself
Literally my sales postings for my retainers showing the CURRENT price listings as of 11:29am Pacific Time that have undercut other listings by a whole 5 gil per item when I checked this morning and adjusted my prices. Feel free to search the market board for any of those names to verify they are around the same cost on YOUR server as they are on MY server so you can see they're high cost items (those "not for sale" items are what my retainer is wearing on the mannequin in my house and SE has them show up on your retainer as "not for sale" to prevent people from exploiting sales & storage space limitations)