Made this suggestion quite a while ago on the feedback.suggestion thread, it never got much feedback but I still think this is a pretty decent way to help solve the issue + make it accessible to everyone that wants to participate.
INTRODUCE AN NPC THAT WILL "RENT" OUT A WORKSHOP
For those FC's that still do not have a home and or any new FC's formed going forward, this will be a viable solution for those who are interested in doing workshop content. SE made the decision to lock this content behind home ownership, and while there are many FC's out there that would love to participate in it, they simply cannot because of how incredibly limited the housing is in the game. This was a terrible decision that the community has been voicing for years and while back in ARR the player base wasn't as large, Shadowbringers is your most successful expansion to date. With an ever increasing player base, I think it is well past time for some minor overhauls that make the content accessible to everyone, both old and new players.
There is also another reason behind introducing the option to rent a workshop and it is in regards to those individuals that own multiple FC plots. These FC's, 9/10, have 2-3 members, and are either held by RMT traders and or single individuals that farm airship & sub missions to make the gil. If we DO go this route, it would be best to limit workshop "renting out" on a per account basis similar to how housing works now, so that these said individuals cannot "rent" out multiple workshops en masse for gil farming. Now while I feel like it wouldn't solve the issue completely, as I am sure there are many players out there that do thoroughly enjoy trolling their fellows, I do feel it will combat the situation fairly well.
UPGRADE & ADD A "COMMUNITY" GARDEN TO APARTMENTS
Gardening, another part of the game SE decided to lock behind home ownership. Adding apartments was a great idea to try and help those wanting to have their own piece or Eoreza, but again, it is incredibly limited and basically an FC room. Please allow us to either upgrade our apartments (let's say, the first floor of a medium house) or just overall make the apartments themselves larger, while also introducing a community garden to the apartments. We would have an option to go out to our "patio" and from there, can garden to our hearts content! Again, solving the issue of content being locked behind home ownership now being accessible to everyone, while also giving those of us enough room to make our living spaces a bit more comfortable and unique.
I've got a medium plot myself that I use for gardening because I cannot garden otherwise. If SE gave me the ability to garden outside of house ownership, I would gladly let go of my housing plot.