This really depends on the degree at which you put your enjoyment above others.
I personally do not think that hoarding a limited resource is okay. Especially when that resource is designed to and does work perfectly fine when you have only one of each type. It's not as if you need two or more fc or private houses to make a certain type of mechanic to work correctly. One of each is enough to do everything housing has to offer.
You could say this about a multitude of thread topics where heated debates happen.
Even if a person does not use names or locations to point out exactly who is hoarding and where, hoarders very often voluntarily reveal themselves. I don't think anyone should be surprised when the focus is put on them when they enter a thread and tell people, entirely out of their own choice, that they engage in this behaviour. And because SE never enter these conversations the debates between players stay between players.
It is especially not surprising that very heated debates happen when a certain someone we all know actively trolls and laughs at players who do not have a house. They are a very vocal individual so they make the entire hoarding group look very bad. Really bad.
So yea it's all well and good to say "your beef is with SE" but when hoarders reveal themselves they are making themselves a target. They of course have the right to reveal themselves, but they should not be shocked that people have something against them when they enter a thread that specifically criticises their behaviour.
I've seen this sort of thing happen with so many topics. Player complains about a thing, player who does that thing enters the thread, what they say makes it clear they do the thing, people who agree with OP argue with them, people who agree with those who do the thing argue back...it's constant back and forth until the thread inevitably unravels itself into a mess, people get tired of the thread, it dies...and the whole process happens again when someone makes a new thread with the same topic.
I've seen the above happen with housing, parsers, tanking, healing, dps, party finder, raiding, hunts, msq roulette...anything that criticises how people play, act, or the ability/inability to do something very often become an argumentative mess.
I have seen this happen in literally every gaming forum I have been in. These threads about house hoarders are not particularly special. It's just players being players.