Housing Suggestion/Idea: Apartments

[HakuroDK]

Also, it would allow not only for people who already have an FC room to have another room to themselves that are incapable of buying a house due to lack of funds, but it would also allow for people who prefer not to be in an FC to have a room of their very own.

A 10k monthly fee sounds very reasonable for this (as I personally can make 15k running a single Expert Roulette), and maybe there could be an option to store money inside a "Rent Box" with a deposit-only option that would allow players to contribute to their rent gradually over the month rather than all at once. In this manner, players could completely pay off each month up to 30 days in advance in installments to be controlled by the player.

[Defias]

Also, it would allow not only for people who already have an FC room to have another room to themselves that are incapable of buying a house due to lack of funds, but it would also allow for people who prefer not to be in an FC to have a room of their very own.

A 10k monthly fee sounds very reasonable for this (as I personally can make 15k running a single Expert Roulette), and maybe there could be an option to store money inside a "Rent Box" with a deposit-only option that would allow players to contribute to their rent gradually over the month rather than all at once. In this manner, players could completely pay off each month up to 30 days in advance in installments to be controlled by the player.

You hit the nail on the head. This was how EQ2 did housing. Although different sizes Apartments/Homes had higher rent.
But for the time being I agree. 10k a month is very reasonable. That's less than a handful of Levequests of at lvl 41+.