You are very wrong about FC houses they are not the same as a personal house. As FC leader giving out permissions for a FC house becomes a logistics nightmare the more members your FC has. In the case of my FC I cant just go giving everyone the furnishing permission cause it would lead to fighting, theft and become a plain pain in my rear. So at the moment outside of myself the only ranks that have furnishing permission is the rank held by my co-leader, a rank made a specially for my spouse and a high end crafter rank. You have to be with my FC for a great deal of time and be contributing often to even have a chance at a rank with the furnishing permission. Airships permissions are also tightly controlled especially the construction/Deconstruction permission. For those that don't want to deal with these kinds restrictions and have no interest in an apartment a personal house is the prime choice. As for crafters and gathers I am omni crafter, I have just under 4 million gil and have never personally had anything above 5 million. The reason I have so little is cause I dont make any major effort to make more, I live mostly off what the game hands me from raids, dungeons,maps,etc. Not every crafter and gather is swimming in wealth and can go buy a home willy nilly like the amount is pocket change.









