To play the devil's advocate here, I'm interested in peoples' opinions on this while considering that active duty military play these games as well. If I cared about a house (I don't) and bought one, should I really lose it just because I get deployed for several months to a year? One could argue the whole "not using it" scenario, sure. But if my subscription says active (which it does when I'm deployed) because I have the income to do so, why shouldn't I get to keep the items I worked for, the house included?
Now, I'll say the housing situation in this game is absolutely horrid, and its implementation is the reason for my lack of interest in it, but I'm just curious what reason(s) is/are valid for simply having an active subscription to be sufficient to "keep what you kill".
The subscription provides access to the servers, and the data they contain (the game). By abiding the rules and playing the game properly, one obtains a personal house or personal FC house to take part in the content that opens up which is all that you mentioned. The "not using it currently" argument doesn't carry through when they return and continue using it where they left off. Also, provided said service member has any family, in the event of their death the subscription would likely be terminated, thus allows for the demolition of housing or otherwise deletion of the account in its entirety as some companies already do.