The way in which Elder Scrolls Online handles housing is quite interesting. Not only are they instanced, everybody has the ability to own one - to the point where a house bigger than a large mansion in FFXIV is offered to free to players who happen to purchase a subscription/purchase a specific expansion.

If that wasn't enough, each house is account bound and you can own a copy of every house in the game. All of which are various sizes and aesthetics.

I'd like a similar model embraced in FFXIV. Although I own a house myself, I don't particularly like the ward system as it doesn't have the 'neighbourhood feel' that is repeatedly used as an excuse for a vastly inferior system.