But it's not the new player who bought the house. All they did was join an FC that had one. So sure, somebody in the FC has plenty of gil to spare. If it's a sizeable FC, then it's more likely several somebodies. But that doesn't mean that those players are available there to port their newest FC-mate around or to give him/her the gil to do so. Maybe they're not online when the new player is trying to reach the house or get back from it.
(I do agree about Return, though. It became an easily viable travel option a while back, when the cooldown was reduced to 15 minutes. This would be a much bigger issue if it were still 30 minutes long.)
