I still think the best solution is to decouple gardening and airships/submarines from housing. I don't see any problem with people like OliverB owning 23 FCs if they want to put in the time and effort to level them. The issue is that there are limited plots for housing, but a large number of players are using their house(s) only to access content. If housing is going to be a limited "prestige" resource as SE seems to want, then they need to allow access to the functionality locked behind it via other means and make a house into literally just a trophy item for decorating.