Hear me out: Paid housing

[Curisu]

5% a week tax means you buy your house two and a half times over, every single year. It'd cost 130,000,000 gil a year to own a Mist 5/35 after buying it for 50,000,000.

Even a decent small will cost 13,500,000 for your first year and 9,750,000 each year after.

There's already a tax on housing, it's called your sub.

5% is just a example.
You can take any amount that is high enough to let people think about keeping the plot or not, without forceing them to farm money for multiple days.

And just because you pay a sub does not mean you should get everything without a tiny bit of effort.
You also have to farm new gear every time if you want to start a new savage.