FC housing is not the same as personal housing. If it were, SE would have told everyone to join a FC and stop asking for personal housing. Between gardening, creative freedom of said house, being able to use the house for RP if that's your thing, or simply having one to store all the items retainers steal from other houses, having a personal house is vastly different from being a part of a FC that has a house. In the first FC I ran, I set it up to where everyone could decorate and add furniture and stuff. This ended with my raging vortex couch and Ifrit trophy being destroyed because they were "annoying" other people. So you can't just give housing permissions to anyone and say "here, now stop whining about the lack of housing", because there's no guarantee they won't throw away all your company's belongings.
