Quote Originally Posted by Kaiser-Ace View Post
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Definition: Lacking Motivation to expend finances or resources to pursue a suggested course of action.

Basically, it's not that they CAN'T make instance housing but simply have no desire .. the Popular Decision still won't be "The Right One".
so in proper words means the game policies or SE vision is that house system was never intended to be for everyone own a house, just the lucky rich ones, and it gives some kind of achievement/status. And against that no matter player thoughts, kinda like savage mode wich is intended not for everyone.