I thought housing issues would have been resolved like 2-4 years ago honestly.
Instanced Housing > Neighborhood Idea by a mile thou. Most people don't visit other peoples houses on the daily/weekly. And if they do, your the minority easily.
Giving housing to all would:
Devalue the housing black-market (Housing fuels RMT) Change my mind.
Allow everyone to have a guild-house/personal house.
Create a massive gil-sink which supports the economy and stops inflation.