I actually agree with you regarding the housing crisis we are forced to deal with. People have lives and they can't babysit a plot because of timers or because people who don't sleep and don't have occupations can run right up and buy it even if somebody waited for it but had to leave due to being tired, hungry, or needed to shower or go to school/work. Players should be entitled to housing. I personally think that every player should have an automatically designated plot ready for them to unlock as soon as they do the necessary quests to open the residential areas up as well as having the appropriate amount of gil. Plots should be upgradable, that way people don't have to fight for a specific size in order to get a plot in the first place.
There are way too many small plots as opposed to large and mediums, and most players would rather settle for a medium if they couldn't get a large any day over a small. Smalls are like shoe boxes; you can barely decorate and have room to walk. Is it just me, or do apartments somehow feel bigger? Not sure why, but that's besides the point. There's not enough wards considering the population per world on each data center. Players from much larger worlds have intentionally moved to small servers because of this crisis that has been going on as soon as housing was accessible, and it's more than overdue for a makeover. Like many others have suggested, the game should create new wards as soon as the last one is full in order to accommodate more players.
I know that's just a pipe dream for FFXIV, but it's sad to see a great MMO such as this one have such a disastrous and draconian housing system. Some people pay more expensive subscriptions than others because they've hired multiple retainers from Mog Station and for that amount of money per month, one would think housing would come with the territory by default. Unfortunately, those who don't have houses are locked out because they won't be able to get one for the many reasons already discussed. It's terribly unfortunate and it needs to change. If it's about resources, then SE can either put out more cosmetic items on Mog Stations (more outfits that you can actually DYE), or slightly increase the base subscription prices. I know a lot of people struggle to pay their subscriptions as it is and sometimes a few more dollars (or any other currency you use) can make all the difference, but obviously SquareEnix has a real problem here.