Create alts on each JP data center and see for yourself. That's what I did last fall and found most JP worlds with dozens if not hundreds of houses available in Mist, Goblet and Lavender Beds (low level alts couldn't get to Shirogane of course). Now that wards 19-21 are open to personal purchase, I plan to do another all world census once I'm not busy with new content.
Being a business that has to weigh and balance financial and technological considerations against player requests doesn't mean they're exploiting any one. If you believe that SE is out to exploit players in general, or NA players specifically, then don't do business with them. There are plenty of other games to be playing.
I played Lotro for 6-7 months in 2014. Housing there flat out sucked. It was terrible. Being able to dynamically expand Neighborhoods was useless when most of them were mostly empty on the servers I played on and many players in the forums were reporting their worlds in similar situations.
But LotRO had also designed Neighborhoods to mingle Fellowship and player houses from the start. Houses here were originally FC only. It was only after wards were mostly empty that SE decided to open houses to personal purchase. They probably hadn't foreseen that happening when they were originally designing and programming the wards, and so didn't foresee a need for dynamic expansion.
If SE really wanted to exploit us, houses would be a mogstation purchase with an additional monthly fee attached. That would be far more effective in exploiting players than allowing players to take breaks of up to 45 days from the game without losing a house.
