If done well, instanced housing could be a lot better than the plots we have now. Not only could it be more creative in terms of locale, but also theoretically everyone could have a mansion. I don't see why someone wouldn't want it.
While that is true, I have gotten houses for free. Years ago I got massive castle for free. You can still do a lot without having to spend a lot, but yes, I'd say it's overly monetized, and it ruins how good it could be.
