I'm reading it more as the apartments costing too much and need to have a bit more relaxed GC requirements tbh. I could see there being a barracks of sorts for each grand company as a low tier form of housing (in addition to the inn room) as the GC would want to make sure that it's members are well rested for battle. Once someone reaches Sergeant Third Class, they gain access to an apartment (which would be an actual space for themselves), and players would be able to get the house at Second Lieutenant as that's the lowest officer rank (many of us that care about that are probably Captains at this point). That would also follow the ingame rank divisions you see at the quartermaster (see
https://ffxiv.gamerescape.com/wiki/G...ortal%20Flames ).
As far as gil goes, while 500k to you or me may not be a lot of gil... how much is that to a new player? Would 200k make more sense? 100k? 400k? 600k?
Tbh, I'm really seeing both of you in more agreement with the overall idea, just a couple of details that need hammered out.