It's isn't hard to make gil. That's not the point the OP is making. The problem is supply. SE frankly misled everyone when they announced that personal housing would be accessible and cheaper than FC housing. They must have had some other plan in mind when they said that. What they implemented is just more FC housing plots with sales opened to individuals.

Housing is not just for interior decoration. It's the ONLY way to access content such as Chocobo raising and gardening. SE should consider implementing instanced community gardens and stables to get around this.

I'm glad I got my house before the release of personal housing. I earned the gil, made a solo Free Company and leveled it up to Rank 6. Hopefully, I'll be able to participate in other FC housing based activity when it is released (such as air ship construction) as well.