Imagine saying SE condones selfish players who can't be satisfied with owning one house and exploited loopholes.
There are no loopholes.

Squeenix allowed alts on the same account to purchase housing, so people used them to purchase housing.

Squeenix still allows you to purchase a house using a FC (be it one you made or joined, there is 0 difference) if there is already a FC house owned by your account, even if your account is the only account with a character in that FC. So people used them to purchase housing (and FC housing is better than personal housing).


Their inability to balance housing availability and server load on NA servers (JP doesnt have the same issues we do because they're sitting at 8 more servers, and their servers lock for character creation/transfer at ~70% of the population threshold) is their problem, and blaming people for following their own rules, including those who bought houses many years ago when the idea of fully populated housing wards was laughable at best, is nonsense.