This is what really worries me. Alot of FCs just don't want to invest into FC but this statement worries me....

2:19:20
Q: When will individual housing be implemented?
A: It will be around half a year after patch 2.1's release. Currently, we are split between implementing a personal room within a free company house or personal housing. Since the decision will have a huge impact on how many additional servers we'll need to prepare, we have to carefully consider the balance of the housing system. We believe it will take roughly six months to have everything planned out and prepared.
http://forum.square-enix.com/ffxiv/threads/113554

This states that personal housing may in fact be a room inside FC housing. If people opt out of it because of cost, I'm afraid personal housing will be unobtainable unless your FC bought a house. Anyone else worried about this?