If you can't afford the houses now they will be sold out

[Tridus1x]

Oh god stuff like this makes my brain hurt and it is the reason why devs these days believe they need to make sure everyone can obtain everything easily. Nothing is stopping you from attaining what you want if it is inherently a difficult challenge in one way or another. A large financial barrier means as Yoshi P. says, work together and take the time to earn what you seek. Everyone doesn't need to be on equal footing. This is not FFXIV - Communism.

What you want and how you want it is not necessarily what is best overall.

I present to you our White-Knight ladies and Gents.