Originally Posted by
Nepentha
Hello! Welcome to the game, and I'm sorry you have to come into this nightmare of a housing system at this time.
To answer a few of your questions: 3 mill is actually fairly easy to make in game. There's a lot of guides out there, but I do suggest you keep on leveling crafting and gathering jobs. Right now it's pretty easy to do if you go to the Firmament in Ishgard. (And if you aren't quite to Ishgard yet, keep going. The story's great! Plus you can get some HQ gear to sell on the marketboard.)
The reason things are like this is the devs wanted a neighborhood feel. Unfortunately in practice, this hasn't worked very well. Just a little history lesson, previously all plots were available for purchase from the get go, you just walked up to the placard and bought them. But it lead to some unscrupulous people ward scanning to snap up houses that demolished (due to player inactivity) and sell the plot for 10x the placard cost (at least). People were unhappy with this, and asked for a remedy. One particular user thought up the placard idea, and either they were very prescient or it got translated and sent to the devs. Thus the 24 hour random release placard timer was born. People were happy about this, at first. In theory it sounded good, preventing housing flippers from outright buying plots to sell. But, soon enough people realized that in practice, this was an awful idea as now they had to sit and click a placard for hours in hopes they were the lucky one who made the purchase when the housing timer released.
Of course the housing flippers have just adapted to this new set up, and are still continuing to flip houses. Only slightly hampered by the timer, they still win a good number of plots to resell as FC wholesales. So really, everyone is miserable, if you want a house at all you either placard click and pray or you buy an FC house from a flipper for 10 to 70x the placard cost.
With Endwalker there will be the release of an entire new housing location, Ishgard. And they've stated they plan to introduce a lotto and are playing around with the idea of FC only wards and personal housing only wards, plus a bunch of other stuff. We don't know enough yet about what they are planning with this. Some are happy about the lotto, some are predicting disaster.
This is the state of housing as it is right now.