Why should the house owners be discriminated? By that logic we could also say that any member of FC that has a house should not be able to buy an apartment as well - because they have the option to buy the FC room...
I am not sure if you realize it, but you are trying to bring certain level of equality by discriminating noticeable portion of the player base without even considering why could a house owner want the apartment. In my opinion apartments are great way to socialize, you get a lot of neighbors - in comparison to empty wards etc.
Threads like this one are no good. The only thing you are going to achieve is that people who would otherwise ignore the apartments are going to buy few just because they disagree with your attitude.
The fact that the apartments are going to cost "lunch money" is making it even more likely...