I reside in the least ghetto apt complex near the Rio, Palms and/or Gold Coast Casino's. X-streets are Valley View & Twain... so a lil ways from Ghetto Valley (errr Green Valley if you actually live in the nice part of it).
As for the $100,000 thing... ouch, that's a lotaru money. I could think of many better uses for that IRL than ingame. Sure, a Kraken club and all the uber leet gear you could ever dream of might be nice, but a $10,000 car modified with $60,000-$80,000 in mods would be much more enjoyable... hell, in vegas I might be able to get a g/f for a week with that $100,000... /em rolls eyes at the gold-diggin beetches.
As for spending IRL money for gil in general... as said by the last poster, once it's all over and done... you no longer have what you invested that money for. However, on the flip side.. despite the support this sounds like I'm giving gil sellers, gotta look at the time invested into the game. Same deal.. in the end, you'll have nothing to show for all the saturday PT grinding... but if you would go out and do yard work, fix up the house, paint the back wall, mow the lawn, fix the car, whatever... you'd have more to show IRL than you would from grinding in PT's and ingame all weekend long. So in aspect, yes, spending real money for fake money that you will not have anything to show for later is rediculous, but isn't working soo hard and devoting so much time to bettering your character rather than bettering yourself IRL just as bad? The way I see it, to make a mil gil, I would have to farm, craft and break my back (or sell gear I had gathering dust... which I'm almost out of now) just to get that gil within a week. However, IGN is offering me the same gil for the same amount of money I earn in less than 2 hrs at work.
This is where this thread begins to sound like favortism to gil sellers... but truth betold, I can spend hours and days in FFXI to save some IRL money... but the IRL time cost is far more detrimental than spending the IRL money which comes faster and easier. This is something that's always weighed on my mind. However, the flip side is this logic only supports gil sellers and encourages them to keep doing what they're doing and in turn that will either gouge prices for the sellers, or gouge prices from other's just trying to get by on the market/economy the sellers' have begin to ruin and corrupt. Almost as if the sellers' are making it so one MUST buy gil online to get anywhere in game. At least this is the way I feel at the moment, but that's mostly cause I lost 3 damascene cloths on one Vermy cloak synth and I've been wrestling and debating for the last two weeks on just buying that gil to compensate for my losses. Only reason I have yet to do so is I do not see how that would benefit anyone in a positive manner... so I'm still grindin it out.