I really do think just providing a stable & full garden option to all players could alleviate some of the pressure over their (poorly-implemented) housing system

-For the chocobos, they could introduce a couple of public stables in the cities. This would allow those without access to a house or apartment the option to level their chocobo, and dye the feathers.
-For gardening, they could attach a gardening instance to the inn room (similar to XI's Mog Garden instance). Doesn't have to be as elaborate, but this would bring full gardening options to all players since we all have Inn rooms.

If that were to be impleneted, we would then essentially have 3 levels of a housing experience to choose from:

-Inn rooms - if you are looking for function function only. Everyone would have access to a full garden/public stable.
-Apartments - To take care of your decorating needs and to provide a more personalized space.
-Private/FC housing - For those who want the full housing experience.

I'm sure a concern that would arise is that people could potentially double-dip with gardening since both the apartments and housing already have this option. I figure if people are already paying an additional 500k - millions, they should have some additional perks.

To help combat alts/bots who are created for the sole purpose of gardening, I'm sure SE could come up with some requirements that are needed before you unlock the garden instance.

Anyhoo, just tossing out some ideas