Same reason i have a job in RL as i do ingame.
My ingame lv50 carpenter is nothing to my RL carpenter skills, but they're both fun.
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From what I understand...it was 30 plots per instance. 30 plots per server would be insane. I don't see SE intentionally locking out players from housing content by limiting what's available per server. I am personally really looking forward to FC and individual housing and if I am locked out of it because I wasn't fast enough to purchase one I would be really pissed.
Imho, there should be a "free" house, one that is obviously limited in the size, custom options and bonuses. No sense in locking out any players from the idea of a place to call "home" ingame. Maybe a small one room shanty or tent in the slums of Uldah...
There will be personal housing later on that won't cost as much. For these houses in particular, you must have a FC and you must have a certain rank for your FC. Basically meaning that 2M for a small house is normal for a group of players, but more expensive than it should be for a single person.
I'm thinking of taking out a mortgage at the National Bank of U'ldah just so I can have a chance at putting a down payment on one of these houses