One suggestion that I think is pretty important to change is the cost of housing. It should cost way more than it does now, why on earth have the base prices not raised since housing was first released? The more time goes on, the more gil players acquire. This would also hopefully help discourage house flippers because they wouldn't be able to make as much of a profit.

With that said, I'd love for there to be a way that anyone who wants a house can get just get one at some point but if that's not possible then raising the price at least allows players who really want housing to work for it.