Lets not make the housing system worse, SE should be fixing it, not taking suggestions to make it worse (cheaper instanced, pricey open world) Everyone should at least get an instanced house. This ward system simply does not work.
Some of this was touched on. Because of the ease of entry that comes with a lotto, you have way more people entering it then spaming a placard. It takes less effort, this means you got an even less of a chance of getting a house. Basically ideas like this is only making the situation worse. We need a real fix, like instanced housing, this open world system SE made does not work. MS2 for example has a nice open world/instance system hybrid, take a look there if you wanna see a working housing system.