I totally agree. The housing districts should be reserved for Free Companies only and everybody else should be able to have their own private house if they want one and have the gil for it; it shouldn't come down to crossing your fingers that you are able to obtain a house once they make more wards available. I was only able to obtain a private house because I was on as SOON as the servers went up when new wards were added and I got on chocobo back to get the first (and one of the very few) small houses available. Not to be rude, but this is rather pathetic. Everybody should have access to it at their leisure.

In a perfect world, SE would give everybody a house of their own that starts off as a small shack and give players the ability to upgrade it into, ultimately, a mansion through crafting/buying upgrades and paying a fee.