Just to add to this, people who buy personal houses for actual use are not greedy and quite frankly people calling such personal home owners greedy is insulting. House flippers are greedy, that's true but people who buy one for actual use are not. I get it that they are bitter and angry over not getting the house they wanted but stop taking it out on legitimate owners of personal houses which wish to invest both time and gil into making it an actual home. Especially given they often share it with their loved ones or friends within the limit of how many SE allows on personal ones. It took years for me to finally get my own small house which I only just got this month but in all those years I never insulted legitimate house owners who are not out to scam or rip people off, ones who actually make use of their home and make it a nice home for them and/or their loved ones regardless of whether FC or personal. Insulting them just because people are frustrated is not the right way to handle it.
Personal housing was promised before FC housing. If I recall correctly FC housing became a thing because SE underestimated the impact housing would have on their server infrastructure so they made FC housing to let people rent tiny little rooms from their friends who own the FC and therefore not require SE to add as many houses in general to combat the infrastructure issue. Truth is a lot of people do not like FC rooms because you lose both your investment and a lot of your items if kicked out. You don't own that FC room, you rent it not from the game but from other players and can be kicked out at a moments notice by those players, anytime without warning. At least with a house under your name you wont lose it without warning and without reason given, if lose it then it is because you broke the rules (house flipping) or never used it for 45 days once reclamation is restarted.
I personally think SE should of gone down the path of instanced houses rather than wards but if we are stuck with wards instead of instanced housing then should of made a personal housing set of wards and a FC housing set of wards plus I think people should be limited to one house...however people need to stop insulting personal house owners who are not flippers just because they are frustrated and want a target for their anger. Personal house owners are just taking advantage of what they were promised, if want someone to blame then blame the scammers who just buy to resell or SE for their lack of investment in infrastructure or going with wards instead of instanced housing which could of potentially allowed everyone to have their own instanced house with small plot of land.