To Square Enix, these are the reasons why I am currently unsubbed from the FF14.

[Nestama]

75 days is roughly 2 and a half months. That means a player can subscribe for one month, stop for two months and never be in risk of losing their house if they decide to resubscribe when the next patch comes out. Keeping it at 45 days, but extending the reclaim time to 6 months is a more fair option. Someone without a house doesn't have to wait until the next patch comes out to get a house of their own (and after waiting... two weeks? and this is assuming SE release new wards again) and the person who took an extended break can still reclaim mostly everything from their home (80% of the gil spent and some/most/all furnishings) and decide if they want to buy a personal house again.

The reason why housing has a time limit (ever since 3.1) is because housing is extremely limited (4320 per server, right?). I'm not familiar with GW2 housing, so I'll ask you this: is it unlimited and is it all instanced (two things that make it different from FXIV's)? Does the same apply to Wild Star (I think you start off alone with your home, but then can make a neighbourhood with other players)?

FFXI was... it really depended on if you had friends to play with. If you did, then you had stuff to do. If not, then you probably would only be on for a short time before unsubscribing out of boredom or some other reason (even if there was content to do).