The people without houses are paying a subscription too. The measures taken greatly alleviate the housing shortage and discourage greedy behavior like buying houses just to make a profit.
I'm sorry you lost your house. It's not the end though because it seems like there are plenty of houses available when the game gets quiet between patches. My server had 20+ houses in the Goblet around December and January, just sitting there unused, unwatched and devaluing. 20+ without even counting the newest wards. I'm now a house owner for the third time because of it. Be patient and you'll find another one.
You can take a break if you want. The timer is 45 days but 4 weeks is only 28 days. Just go to your house near the end of your sub and again as soon as you resub.
