In regards to the overall system, 45 days is a bit short, imo 60 days would be a nice compromise until the system changes.
The larger servers especially are well beyond breaking point now, supply just doesn't meet the demand.
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The real issue to me with housing is one account using all their alts to own several houses.
All they really need to do is change it so houses are shared on the account to alleviate that or even just limit a house to 1-2 per account.
I'm well aware this is a thoroughly beaten horse, but in my opinion its a very unfair system, so please no arguing this particular point because it has been beaten enough.
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I lost my house a while ago due to quite simply, burning out on the game, through every fault of my own.
I got completely swept up in the raiding scene by my raid obsessed friends and truthfully I didn't enjoy it at all but I went along as to not disappointment my friends who was so eager to do the raid content that it was infectious. But end result, they got bored and quit the game, left more or less alone as back then my BF was still very new and barely played/game hadn't gripped him yet. As much as it pained me that I didn't want to lose the house, I just couldn't justify a continuous sub for barely logging in to do anything.
6 months later, come back to my old plot now under the ownership of someone I hope enjoys it.
Was I sad about? Of course, but I got over it because end of the day, I stopped playing so its only right someone else gets to enjoy old my plot.
I've now saved up enough gil to more than get a small house in Shirogane when that chance arises, could potentially get medium, I've got a new love the game now that I re-evaluated my wants and needs in the game and I've found that I can't really burn out as such any more. Though at this point my boyfriend and his friends now play a great deal more and love the game to so that helps.
It sucks to anyone who's lost their house but honestly until SE change the system its just something for now that you need to get over despite how hard it might be.
If you're making a digital house such a massive priority in your life, then you really need to sit back and have a good long think.