

It is when you've exceeded more than one personal house per account, and more than one FC per account as per the restrictions SE had laid out at https://na.finalfantasyxiv.com/lodes.../housing_land/ .
My exact stance is that anyone that doesn't have a subscription to cover those excess houses is exploiting the system. For example, there should be 59 subscriptions to cover the houses in the OP for that to be considered acceptable.
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