One of the factors causing the housing issue a lot of people seem to overlook is the gil inflation in game because of its lack of gil sinks to take it out of circulation. They haven't updated the pricing of the plot tiers since the day the system was first put in as FC only. The prices worked fine back then. However fast forward years to where we are now and most players can come up with the funds to buy a small plot just from playing the game normally if they aren't making foolish purchases off the market board.