Reduce subscription cost to compensate

[Arky]

My FC doesn't own a house, though. Nor do I stand any chance of being able to buy my own, personal, house.

Then perhaps you should focus on starting a movement to get Square to make personal rooms or inn rooms more viable for these things. Because back to back, in game mechanic wise, a small house should cost the same to buy, no matter if it's an FC buying it or an individual.