I think the original poster's main point is that there simply isn't enough housing available,
which I can definitely agree with. There should be enough housing for every player on the server, with gil being the only hurdle (and I'm talking about pricing as set by SE, not pricing set by players who want to go against SE's policies and resell homes for ridiculous amounts of money).
Now, I know they're getting ready to add more wards, but even if they double the amount of existing neighborhoods that still isn't going to be enough to meet demand. And the apartment idea is not (I suspect) what most players are looking for as a solution.