My point:

If you are forced to move around due to the nature of your work, would you bother to spend a large sum of money to buy a house or even maintenance it.
If you have a car that not get driven to often, why bother keeping it and spend money on registration, insurance and maintenance it.

The resource is limited. They always stay the same but the demand having a house is always increasing. So SE takes back the house if they are not even in use. Or SE could always charge one much much higher to have a permanently housing plot instead of just 4 million or whatever the amount that its matter?

You loan a money from a bank to purchase a land. You got involved into an accident and you can not keep up with the payment, the bank will take back the land. End of story.

In Eorzea, you pay SE a small amount of money for a housing plot. If they thinks that the plots are not currently in use in a reasonable amount of time, they can take them back due to limited resources.

In both cases, you can always lodge a complain, dispute to the Bank, SE, to explain your personal circumstances and waiting for their response.

Though can we please keep all those worst incidents that ever could happen to one out of the game or this discussion, it is so disturbing...

This is a GAME after all...