If you need to pay to access the game to be able to buy a house and your sub money is partially going towards the upkeep of said servers, you are paying real money for that house. If we don't pay then there are no servers to host the houses.

I'm not arguing about ownership so I don't know why you're mentioning that, and entering a house once every 44 days is hardly using it. If the point of houses is to have more things to keep you subbed then you shouldn't lose your house if you're subbed.