Not everyone gets lucky on the market board even when they are doing everything they can to make money off of it. When I put in the effort I can make money easily, other people in my FC can put in the same effort and not be so lucky. Not sure why but that is just the way it goes really.
Housing could have been handled a lot better. When I look at what Wildstar is doing with their personal housing and what Rift has done with their dimensions and then look at what SE is doing to their housing market I can't help but question the quality of the devs working on this game. I feel the devs are so worried about RMT and the fact that they keep improperly planning for what their servers can and cannot handle that it is just limiting the use of features the game has.
No one is asking for the big mansion on the hill the first day. That should be reasonably expensive and something to work towards whether it be free company or personal housing. Decorating the house should be a gil sink and when they release it, chocobo raising and building the airship should be as well. Getting the summoning bells, training dummies, etc. all of those should take time, effort, crafting, and gil.
Another issue is we are lacking more information from the devs about what each sizes of the houses can do. Will only the large houses be able to build airships? Will each plot be able to support chocobo raising? Will I be able to raise chocobos in my personal house, fc house, or both? You cannot tell me that they have been working on housing for over a year and some of these details are not already decided. Also, the more I think about it the more I wish the devs would have just waited to release housing and released it chocobo farming. I think another problem is right now all you can do is decorate the house and hangout there with your FC. This adds another reason pricing is so high because with only so much to do with housing if all the plots were being bought on a much more regular basis, gil still wouldn't be leaving circulation as fast as SE would probably like and people would be twiddling their thumbs after a month or two until the next major housing patch.
It's a forced limitation because SE didn't plan their server capacity properly once again. If they wanted us to wait 3 months for housing then they should have just released it in 2.2 after they made the proper adjustments. Putting it behind a wall that requires that long of grinding and saving is serving to frustrate a part of the playerbase, not encourage it.