While I won't be cancelling my subscription, I too feel the pain of the Housing crisis right now from Patch 4.1. My guild and I were working hard to raise the money for transferring our house plot to Shirogane in one of the Large plots (16 or 30) and my Guild leader was on in the first 30 seconds of the servers being up but by then it appears all plots had been bought.
What's really the issue is the fact that per character you can technically own two houses; 1 for your fc and 1 for yourself. Now if you're paying for up to 8 character's that's 16 houses/account you can purchase which is half a district. The reason that many people are getting by is they just make an FC for themselves and be the only person in the FC allowing them to buy that house.
