What if they only let 5% of the player population get Coil gear, and said that others will be able to get their own at some indefinite point in the future? Would that be okay? No, no it would not. And that is not even a great analogy because personal housing, by its nature, should be reasonably obtainable by the average player. It made sense for FC housing because as a group they had to ban together and get the house. As an individual player...well, IMO, they shouldn't have even made personal housing the same as FC housing. I think many people would have been okay with an instanced personal house.