That is not inherently true. More people could potentially mean more gil sink as they visit the MB. But beyond that it would depend on how they set it up. If say all the apartments could upgrade into full bred instanced houses through purchases then even that would be false.
The idea that we'd lose a gil sink just because all people could have a house isn't true, it could potentially be partially true that it might lower (depending) but it could also be false and even larger gil sink because everyone has access (still takes gil, the system is just much more friendly to access).
Also crafting wouldn't die either way, it would most likely become more profitable if more people had houses as it would mean more potential buyers. Maybe more sellers if there are more buyers but either way it would increase the market storm.
On the whole server thing some people came to servers when they weren't full (I've been on the server since it existed), I mean that shouldn't really be an argument. #"its current year" so housing should exist where it needs to exist, their system feels very 2003 in terms of restrictions (It's almost literally Dark Age of Camelot's). I'm not saying they're incapable of making it modern but it doesn't feel modern (and I'm not playing FFXIV to experience hardcore FFXI or FFXIV 1.0 market wards, though even many of those old MMOs have modernized their housing- this limited system is usually only for hardcore and sandbox types now days as it doesn't fit the themepark bill very well).
Finally just because more people can join housing doesn't mean there can't be rich things.
I think the system itself is not good, beyond the whole server thing even. The potential lost sticking exclusively to ward system I think is deeply unfortunate. Adding housing wards is so hard for them as they have to add so many public slots to so many servers and make expansive ghost towns if they go in abundance (to meet the demand of mediums/larges especially), if we were instanced like many other mmo's we'd have so many more interesting locations and looser restrictions on object placement. And we don't need to kill the wards to do that either.
Though that's besides the point- I think it's incredibly silly for a company to be like "it works great just abandon your FC and friends!". That's how many people quit mmos by losing their social network. Of course they've worked hard to make the server walls thinner so that's becoming easier, but the walls still exist at least for the moment (some day they might be removed entirely). Even then I would still think their housing system missed the mark.







