2. What's laughable about expressing my opinion?
As it stands, housing is not casual at all. The casual part about it is to design your house and fill it with stuff from your adventures and so on.
But to get to that part you either have to be in a really big FC or grind (because that's what making gil is) enough till you are able to afford a plot of land.
The entertaining and casual part about housing should be to equip it with stuff.
That should be the long-term content to work on, not building a house you fill with stuff in a matter of days.
I'm not asking for instant gratification. But the reward (housing) should require reasonable effort for what it has to offer.
But currently housing doesn't offer any bonus to anything and doesn't enable you to do something you couldn't do without a house (please correct me if I'm wrong).