Well, if you quit a year ago then you'll pay 3 gil for an item that cost 1 gil then FOR EXPENSIVE ITEMS.
Most of the common stuff is still priced good, food is still same price but now you buy different food (great if you have fishing).
The price of items is mostly a problem for people bad at making their own gil. As items are priced higher you also get more when you sell them.
And anyone who thinks they MUST have ll boots etc needs a brain exam.
Btw, yesterday me and my brother made 2 million each in about 8 hours doing bcnm20.
As for 1 million gil. It's A LOT until like level 50ish, then people start wanting snipers and stuff. If you're a bard then 1 million is enough to get you to level 70 in the best gear (well, except hq rings/earrings).