Now to the punchline - you are contradicting yourself (i know, you even said that). First you mentioned "equal chance" and then "pay for the house in RL money". Sorry but no way this is "equal" because people with more money can get real ingame advantage over those who cant spend so much money... Same as we already have with retainers. Bad idea, retainers are bad idea... anything what could be defined as pay-to-win on monthly subscription game is bad idea.

P.S. You know what is extremely annoying and easy to fix? This 1.000 character limit per post. Its so freaking annoying.

/rant