If you can't provide instanced housing, what about...

[Shneibel]

Not everyone is a crafter (scrips). When I was last playing, I never managed to get more than 3 million gil, while houses on Balmung cost upwards of... well, stupid amounts of gil. And, why should simple access to housing cost an arm and a leg anyway? Far better systems make the access free and the customization cost gold.

then you done something wrong, ever since 3.0 and before all my DoH and DoL are lvl 60, I already generate 5kk and I make money casual ._.