Making it easier to have your fairly acquired house stolen from you by the game is a great way of making housing less fun and more disappointing. The answer to the housing shortage is to simply keep improving on the volume of housing when possible, while hopefully eventually finding a way to let the housing wards expand as much as needed to meet the needs of all prospective buyers.

Likewise, I'm not interested in individual housing instances. The neighborhood feeling of FFXIV's housing is one of the great aspects of it.