Merging FC's never work. Too many people struggle to attain authority and the whole thing falls to shambles. Tried it once, never again. While I kinda agree with the seals thing, it could be a mixture of both. The only problem I see with FC housing is that if everyone in the FC pitches in, the leader who bought it, owns it from what I understand. They need to figure out a way so its not owned by one person, unless all the gil came from him, but if people do pitch in, it needs to be addressed that they as well helped fund the building and land.