Again check your facts. They HAVE NOT DETERMINED if personal housing by definition is a room inside a FC House or if it is literally a seperate piece of property.
Riddle me this, why would they refer to it as HOUSING, if, by what you're saying, it would be more properly referred to as something like...rooming. To top it off, what the hell would we be doing then, paying rent in our own FC house that we donate part of our gil to the FC to get...TOGETHER? dafuq kind of logic is this!?