I have played Eve Online. It's a game that actively encourages and rewards sociopaths. I ran a new player mining corporation that helped new players and we just kept getting war declared on us by trolls who just came by and slaughtered all our new players that were just mining in newb space. We were even infiltrated by fake new players so they could more better kill other new players to the point that nobody could even leave the space stations anymore. One of our members was even a firefighter who just couldn't tolerate the kind of cruelty Eve Online encourages and left the game forever. I don't blame him, I left Eve too so I didn't want to become a sociopath to enjoy that game.
Beware of a system of total freedom. The result is chaos and anarchy. Our housing system is currently structured by rules, restrictions and represents a reflection to the real world. That's not necessarily a bad thing. I'm living in an area experiencing a house crisis in real life. I know such problems are not instantly resolved, such is the reality we all live in, even in a game called Final Fantasy. It's important that we learn to share this world. It's an underlying theme of Final Fantasy.
I've seen your suggestions, but personally I think are a little too extreme. Expand apartments, give them gardens and workshops and suddenly the need for pocket dimension houses goes away. The apartments already do so much to give everyone personal space the ability to express their creative freedoms in this game, it's important we don't let the hyperbole let us forget that. After apartments get expanded, it'll just be players complaining they can't every little thing they want or that the item limits are too low.