Yes to instanced housing, no to everything else.
I bought my Large back when housing was sort of new, I paid like 90m for it (From the server, when prices were much higher for a plot). All legit earned through crafting/marketboard over about 6 months. Don't take that away from me, don't make me pay more per month. I use it more for me/my friends than a lot of FCs I know of. Some have 90+ members but they're mostly alts or people that quit the game back in early 3.x.