You can probably throw me in that category. I subscribe roughly half of the year currently and I have a small home that cost me 5m with about 40m in furnishings, 15m+ of it will be destroyed. I don't do a lot of end game, it doesn't interest me much in this game. I log on, play with/talk to my waifu, as well as friends, garden some, and run around doing random tasks. I am now dreading the life time subscription I will have to pay because of this change. I've been off and on since ARR launch, I've had a home since subdivisions were added, and I don't always have the money to play even if I want to. Do I fit your criteria for someone that this actually effects?
Also, some of the analogies I'm seeing are ridiculous. A reserved spot at your restaurant for frequent and infrequent customers? Why not go with a much more obvious comparison of active diners that night. Someone comes in, orders a meal, and stays at their table to read a book after they finish; this is your inactive player. Someone else comes in while that person is reading and is waiting for a seat; this is your active player. Do you boot the guest sitting there reading, who has already finished their meal but was still a paying customer? That's up for every owner/manager to decide, but my opinion is a very emphatic "no". Whether a customer is brand new, hasn't been around for years, or comes every day without fail, they all deserve the same treatment and the same first come, first serve behavior. If you want to chat more with the regulars, have at it, but don't expect customers to take kindly to being treated as less important because they don't visit you as often or as recently.
Another analogy that's bothering me is the paying rent/mortgage one. They're both completely inaccurate since we as players have purchased both the property and the home that we built on it outright, without any taxes or insurance required to this point. The only plausible comparison here is equating it to newly instated property taxes, as we obviously haven't been paying any the rest of this time, which would indeed cause a significant uproar. Additionally, it's like having a property tax that must be paid with in gold instead of the USD or other national currency, as it's a different currency we're using to pay the tax than that which we purchased the land and home with(purchase in gil and subscription with cash). If you think that someone who purchased land and home outright with no fees would tolerate a required payment in a new currency laid upon them with less than righteous indignation, I'm quite sure there are historical examples proving that such a scenario is not accepted readily. Even further, since it's not the physical payment that is required, but the use of the land as well as payment, the idea that the ruling body in this example requires the person on the deed to pay and utilize the property is too ridiculous to even consider in reality. Of course, realistic analogies also go out the window when my mailbox will magically self-destruct if I try to move it.
Additionally, as for the repeated mentioning of finite resources, I would like to again reiterate why that is the case. Is it your fellow player base, active or inactive, utilizing their home or not, that are deciding to keep the majority of people out of homes? This isn't some Occupy Eorzea movement, you aren't the 98% trying to overcome the shackles of the 2% of land owners. We're all equals in this system, some came along sooner than others and some prioritized getting a house while others didn't. There isn't some magic entitlement or birthright to this system. Square Enix provided limited homes for FCs to save money, Square Enix scrapped the concept of unique personal housing in favor of an obviously flawed idea of combining personal and FC homes to save money, and Square Enix is now introducing a system that adds nothing but enforces subscriptions. It's about money, plain and simple, and some of you are turning on each other so quickly when we should all be standing against SE on this one and demanding that they properly invest in their incredibly successful MMO.
Finally, even though I have a personal stake in this issue, I'm rather unbiased with my stances in general. I oppose the retainer rental system despite not needing the extra space, I oppose the removal of in-game vendor seasonal purchases to be added to the cash shop despite owning every previous item put on the Mog Station so far, and I oppose this game's housing system that tries to advertise as content despite being completely unavailable and only ever being accessible by a select few. SE is trying to run a business, yes, but they're doing a horrible job at providing quality products and services at a reasonable price to paying customers. And instead of complaining about that fly in your soup, that scratch on your new car, that console that broke within a year, or that internet that keeps cutting out, I see many people showing misguided appreciation for what would be considered unacceptable in many other industries. It's our money that's paying to keep these servers going and is making SE millions, we shouldn't have to fight each other just to enjoy what we're paying for, or even participate in it at all.