If some of the reports are correct FF14 is one of their big cash cows for SE thus they should have more than enough budget to implement something that will give everyone that can afford it a house. Cash shop would just be giving them money for something that they did wrong and that they chose to not change over the years. That is imo the worst way to ever implement more housing. Also sorry if that sounds mean but wanting cash shop housing because you cant afford it is also bad. You easily get Gil by doing dungeons and the MSQ. Level one gatherer to 70 and you can collect the treasure maps which drops expensive items and lots of Gil too. There is no reason why someone should not be able to at least get a small house even if they dont craft anything at all. If you cant afford that maybe housing isnt truly for you. (And if you want something bigger like a mansion one simply has to put more afford into it) I mean you still have to buy the house itself and on top of that every house item too since you dont craft.
I mean whats next? Raid completion in the cash shop because someone does not have the time to raid? Really I dont want to be mean or anything but playing the game for a longer time should give one enough Gil to buy a house..heck a big problem is that everyone could buy a small one since its kinda cheap yet its so limited.
So theoretically if every house was owned by an FC and every FC used every instanced FC room available, the server would explode? Because even though a lot of houses are owned by single players, the housing system itself started as FC only. Did they truly just hoped that it would never come down to everyone buying most of the FC rooms? Also the wards themselves are not really that good for the servers too. Instead of instanced housing which only creates itself when someone gets to the plot, the wards are here 100% of the time. Increasing the wards over the years will just create more and more stress on the servers, so I cant just see how this will be good for us. If they dont change the housing system they will hit a wall somewhere in the future where they either have to pay quite a bit to upgrade their servers to get more wards or they wont be able to create more thus limiting it even more.
Also Yoshida himself said that they will look into creating bigger apartments so it seems that this is possible for them. I believe they either just dont want to change the system because it was their idea thus they dont want to change that or they want to use the old system as long as possible to save money. In the end if nothing much changes in 4.2 they will just get hate and rage for every future housing release and there will be a point where it will be enough.
(Also other games do it just fine. I can play Rift for free yet own around 20 active dimensions on my character and can own all dimension keys that exist. They range from small dimensions to something so large, where people built a version of the Titanic in it. So yes other games are doing it just fine so either they are just bad at it, dont want to change it or their old code is just so horrible that its not possible. Which may mean that they need to start to change that otherwise we will get more and more excuses that some things wont be able to happen thanks to that)