Simple Answer: No.
Just no...

I myself with work and you know, LIFE have a few hours a day if that to play, and when I do have that time I rather spend it taking my time and enjoying the game (casual player) than worrying if I have enough gill to be paying rent on a in game house, let alone real life.

Don't pull the 'if you cant pay don't bother'. A game isn't a job, we shouldn't be punished just because some of us have limited game time.

Plus: Life happens.
What if your computer bombed and needed to be fully replaced? It could happen! What if it takes a few months of saving to buy a new one? Yep, happened to me. Would suck to lose something so costly due to life huh?

Make it so if your sub runs out you have X amount of time to resub (say 6 months to account for life stuff) then your house opens up and all your items are placed in a temp npc with all or some of the gill for said plot so when you log back in you have a chance to recover it and buy a new one.