Way to long to quote the whole thing, but very well said.
It's a simple fact that this housing system excludes the overwhelming majority of players from even participating in the content. That's not an opinion or a hypothetical situation. It's an absolute fact.
The correct way to implement this system would be to have a very low barrier of entry and a very high barrier to mastery. In other words, every Free Company can get a small plot of land right away, but if you want the big ones or the shiny house or the giant trophy or whatever, then you have to work for those. Otherwise, FC housing is simply non-content for a lot of people. I will never, ever be able to afford an FC house unless Square Enix reduces the prices by 90% or more (which would then, rightfully, upset many players who already bought a house).