First, if housing is end-game then it shouldn't be walled off behind a gilsink either. Besides, 90% of the forum thinks housing is just vanity and no one should be upset about it being so expensive/limited availability.
Second, I'd be perfectly happy for housing to be paid by either/both methods. Don't force housing to be purchasable only through real money, but allow housing to be purchased for either gil or real money. No one loses that way.