You're going on the assumption that everyone deserves a home, or is entitled to one and that cannot be further from the truth. You're entitled to a chance. On top of that, housing needs to remains finite so that there is a demand for them. If everyone could get a house, then what exactly is the point of owning one? The only benefit they have is for FCs with FC-related subsystems and growing crops. A Personal Home has no use other than to flex. But you wouldn't have anything to flex if everyone could get it.
On top of that, you need to re-read what I said about Instanced Housing vs Ward housing. I never said Instanced housing would be more draining. I stated that, if SE does go the way of Instanced housing. There'll be a massive surge and will take up far more memory than a small does. Purely because of the quantity of instanced housing. That's not taking into account exterior furniture, but that doesn't seem to be hampering anything beyond maybe .01 seconds added onto loading into the ward / subdivision.
Keep in mind, here. There are hundreds, if not thousands of people screaming for a housing fix, adamant that "instancing" will fix the issue. The moment that becomes a reality (Which I hope doesn't), there will be thousands of new instanced houses flooding the system and it may not even be able to cope. Nobody (that I am aware of) knows the hardware specs of the Server Computers SE uses.
EDIT: And of course nobody's going to complain about being banned for House-flipping. To complain admits you did it. Nobody's that dumb.