first: you have already in game area that can be used for add a personal housing system in the city (exemple in old gridania at x:11, y:4). that they decide to go for another area for the FC housing can be understand, but still.
second: yoshida until recently (the ff14 anniversary live) was saying different stuff and this live is old of 2-3 week.
finally: the server limitation, it's seems weird to use this... when you have a mmorpg (that can be considered like a succes), you always try to get the best server possible. i highly doubt that SE is uncompetent to the point to have relaunch FF14 without study how get strong enough server.
i know i will probably be bashed, but i wonder if the trouble don't come from the console side, read here the psn and the ps3 limitation. i know i have no proof, but it's the only way to explain this....drastic change in them plan. maybe they was planning something different and did work really hard on it... but did encounter some really bad limitation that have make them unable to use what they had planned before. and because they had promise us this and did make us wait for long... they did decide to go with this solution.