Coeurl loves it's unstable boom and bust FCs! My FC accomplished a lot, but we don't generate credits like a boom and Bust FC does.
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Discounts are pointless when houses cost such a tiny amount of gil to start with.
2 weeks to get a million credits? So that means 5 months for your blind invite FC to have 10 million built up to buy a large house. I think that would give priority to those established FCs sitting on millions of credits already.
But not small to medium ones that don't throw newbies into the grinder. I'm the leader of a crafting/gathering FC. It will never be a large FC, because it is not meant to be. We do earn a lot of credits for our size, but 10 million is still a massive order. Some FCs are raid groups, so they aren't large either. Credits don't rain in every FC. The FCs that have that amount likely already have large houses on my server.
I am well aware of what your point is. It's handing houses to the boom and bust FCs. It hurts smaller established ones.
We do all of that but we don't build millions.
Which isn't good enough by your standards.