I really hope that most players posting on this forum are the very minority of the player base.
It seems like everyone else can't seem to WAIT and gather for a couple of months before they get their FC housing lol. No! It has to be ON RELEASE.
So are you planning to quit the game within the next 2-3 months so you HAVE to get the FC housing now so you can decorate it and THEN quit?
An FC of 40 or so can easily sum up the whatever amount of gil they need if they want an FC housing. I know for sure that I can purchase the small FC housing by myself if I worked towards it so why can't an entire group of 40 people?
STOP using the 625 mil gil an an excuse, you're not even ON that server the 99 % of people who say it! I have no idea what the situation is on legacies but obviously your server contains THAT much gil that SE felt it was justified.
Did people REALLY think that the majority can have access to these exclusive awesome looking houses on launch.
Seriously, get your act together.
I for one actually DO somewhat agree that some of the prices seem a little high even if they are achievable goals. It could probably use a 10 maybe 20 % reduction overall, but mostly done through the reverse auction system (i.e further lowering the cap to 30 % of the total price instead of 50 %).
The other thing is that is how a dutch auction (informally sometimes referred to as reverse auction) works. You start with a HIGH price and then it slowly goes down till someone thinks its a worthy price. You don't BUY it straight off at starting price, that is just ridiculous. So the real price we're looking at is really HALF of the starting price or somewhere between 50-65% of the starting price. So in reality, you're going to be waiting about 1-2 months before any bids should even be made unless you're super well prepared and have tonnes of money to spare (the bill gates of FFXIV).
Your post speaks itself, what is a few more months if you've waited for a few years.
That is the situation right now though, most FCs that are a decent size that I know of have already summed up enough to buy the small housing. But the debate right now is whether to wait or upgrade later. The small FC as I said is plenty reachable within a week if you set it as a goal.