The only real problem I had with XIs monthly transactions is that a)they weren't 30 day subscriptions, they were literally for the month. Which is stupid. And b)I don't like direct debit things. If I want to resubscribe, I will. If I don't pay, just suspend my character until I do.

This might sound lame, but I'd like to see parts of FFXIV work a bit like Runescape. Sure, it's been years since I played it, but I remember two things that rocked about that game: the payment system, and the staff. You pay if you want membership, otherwise you don't get membership.