(Not to derail the thread...but-)
1st thing, Haiderin -> Hydaelyn. It's on the top of the website.
While I would agree you're correct on certain points, the guilds themselves and the world of Hydaelyn is different than a per-industrial world we know. You are equating player characters more with regular citizens, but the extreme percentage of us are playing characters as 'adventurers' who are regarded as the lowest class and expendable, almost akin to a slave. So that's not a great starting point, even with wealth, family or legacy behind you.
Those characters in the military- in the focus of the Grand Companies, and not military forces like The Brass Blades or The Stone Torches- get paid in seals and not gil. Seals are only valuable to redeem for equipment, basically to prolong your life in the field and not for padding your pockets.
The Yellow Jackets, The Brass Blades, The Stone Torches, The Wood Wailers and all the rest of the personal forces (police/military forces) are more equivalent to your description of a military, and I do not believe many characters are actually in those forces.
Conjurers and Thaumaturges are not necessarily educated and powerful either, barely more learned than the marauder swinging the axe. In Gridania, perhaps, hearing the whispers of the elementals like conjurers are apt to do, you would receive more respect. Conjurers can be poor like the rest of us if they can't find work, or believe in things not necessarily accepted by others, and therefore cast out. Education is really a perception, you could be book smart or field smart, but because you know one does not mean you are necessarily educated.
Class is a lifestyle,my character for example makes gil on jobs she can, but she does not spend that gil, instead sending it to another family. If she needs food she hunts and cooks herself, costing her no gil. If she needs equipment, perhaps then she would spend any small amount she can make for that purpose, or do a favour for a friend who could provide her with the gear in exchange for a service. In that case, spending no gil. Deirdre could be wandering around for moons without any gil in her pocket, and be just fine.
Yes, she is a lower class of society because of her decisions, and because of her end of the year total income.
Basically the point I am getting at is the use of 'class' in this case is merely a broad term for the various lifestyles of the characters being played. This thread really has no place getting in to social vs wealth classes, it's just for fun and to get a measure of what the RP community is doing, without really dwelling on the specifics.
:cactuar: