off topic, but...
As someone who worked in the chip industry (in the US) and recently left. COVID was but a small little blip in a huge array of issues. Production is going back up from the COVID -19 dip, but there was always a bit of a shortage. I think there's going to be a shortage for a good few years to come - or forever - unless the workplaces and businesses improve. As an example, during COVID what helped exaggerate this was a Silicon shortage in the US because no one wanted to purify and package it for industry use, simply because it wasn't profitable, and had forced production facilities to order it from across the world.
Anyway, back to housing.
I always liked to argue purely instance based housing (much like BDO for example) where multiple people could own the same physical plot in game, but I know this would take a lot of the magic and immersion from the wards away since every house would be default unless you clicked on the board and chose whose house to visit.
I just don't find the current system indicative of a good experience. The more you dive into the housing world and community of this game, the darker it gets. Real money, bots, autoclickers, auctions on discords and selling for literal billions or trillions of gil. It's low-key kind of disgusting.