I'll chime in on this topic since I've been and am on both sides of the fence.
In an ideal scenario, there would be enough housing for everyone, and once you bought your property you'd never lose it. That is how it should be, 'ideal'.
But the reality of the matter is houses are a finite resource and having Joe Schmoe who hasn't subbed for 5 + months occupy land (Land that many MANY others would not only utilize better, but appreciate more.) based solely on the fact he purchased it once upon a time ago just wont cut it.
This is not to say I am in favor of the 45 day timer but I can see why they did it and why it is a necessity in the present situation of housing wards.
The fact is there's too few housing plots available for even one to be wasted on a no-longer subscriber and losing active subscribers due to this lack of housing is a REAL thing. If they can't lure you back over your house, you're not coming back. If they cant keep you here with your house, then you're probably already on your way out the door.
As a once house-less person, I can only thank the STARS I vultured someone else's LONG VACANT lot. I did my research on this guy. It was his private FC for his characters. 8 members, and all named after Beyoncé. (....I have no words.)
This particular chap hadn't logged in since pre Ramuh. He wasn't here, he wasn't using his Free Company house, he was absent and that resource he was using was being wasted.
In this game where the developers have CLEARLY stated the servers are in no way capable of handling excess inventory, houses, fun...we cannot be wasting what little we have on those who have moved on.
A quote from All Dogs go to heaven 2: Sorry sir, you can't take it with you.
Maybe one day they'll fix this mess, but I do not think so. The reality we have now is this. If your house means a lot to you, you'll be here. If not, then you wont.
Truthfully if you're done with this game, any game...you're done. No amount of pixels will keep you there. If you doubt that, just look at World of Warcraft. They still have players, but even the MOST long term players of WOW eventually leave.
Maybe you got ill, or married, or deployed, went to college, or had a child. Perhaps you moved to another country, got a newer better job, moved up in your present job and the hours are more demanding of your time. Some things in life call for playtime to end, even for us Gamers.
Those guys in WoW spend 8+ YEARS building their characters, grinding their reputations, gear, getting mounts and pets a-plenty. But you know what? When your time as a gamer in a game ends? None of that matters anymore. (excepting perhaps on those who Ebay their accounts. Then that stuff can matter towards an acount's $ 'value'. Shame on you!)
When the game is no longer fun or when life calls...pixels no longer matter.
I bought my house as an FC house, to help keep ownership on it because I do tend to be ill frequently, I recognized my illness may actually cost my house and because of that I made reasonable accommodation for myself to avoid that situation. ANYONE can level an FC. I made it to rank 6 in about 2 days.
No, I'm not happy about the 45 day thing, but yes it is a necessity and yes I utilized it for my own house/happiness.
Short of another bout of terrible illness though, I wont be 'taking a break'. I'll be using my house every day, rain or shine, content or lull, until which time I'm done with the game.