Also for people who might contract the virus and require hospitalization while their house goes up for demolition.
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Watch them make Ishguard require FC Rank 20 and cost 100mil base entry.
I doubt seriously they'll change the ownership/purchase requirements for Ishgard. I hope personally they give everyone a first shot at it and stop with the FC/Transfer only purchases which can last for months. It's totally unfair to first time home owners in my opinion.
FC/transfer first was something they implemented because the community requested it. In this very forum, and at a rate that was much higher than current ward/limit complaints. So I highly doubt they'll change it.
First time personal owners now have to fight their way into the system and then they can catch a break (ish).
If you make it too accessible then the demand for housing will not be as high. The only reason I and many other people bought houses is because it's rare and many people want it. If everyone can easily buy it then people won't care as much, and it loses its appeal to many home buyers.
Adding wards is a band aid fix for the major underlying issues of the housing system. Instanced housing would solve the problem, but some people will practically spit in your face if you suggest it.