I think people are panicking a bit here.
This isn't personal housing. This is FC housing. The point of FC housing is that everyone comes together to buy it, not just the one person.
Moreover, it isn't as if people are starting at 0 gil. People already have some gil saved up that they can use to contribute to FC housing.
Even small FC's will have a chance, sure it may take longer but that's the price you pay for being a smaller FC.