So, a lottery system and a divide between FC and solo wards, eh?

[Nepentha]

Throwing some numbers out there, just make all house owners pay upkeep costs of like 50k gil/week for each small personal house, 100k gil/week for a medium personal house, 200k gil/week for a large personal house, or 1M gil/week for a small FC house, 2M gil/week for medium FC house, or 3M gil/week for a large FC house. If they can figure out how to pay those costs for all the houses they own, the can keep them. If they can't, that's their problem.

SE is not likely to implement this weird fixation of yours. Also, I don't think you realize just how much gil people have. I'm watching people buy relocations or FC houses for anywhere from 60 million (for a lvl 6 bare bones FC with a small house in a weird location attached) to 800 million+ (for a large house in a desirable location). Housing hoarders have a lot of gil, that's how they got where they are now. Implementing this weird fixation of yours wouldn't be so much as a blip on their radar.