Just so people know, based on how the servers are set up, any Instanced Housing system would require you to queue into your instanced house, just like any other Duty. (think of it like a solo duty, like... Raubahn Extreme)
You would therefore be unable to queue for anything else, or access things like retainers, marketboard, glamour plates, etc. while inside your house.
This is likely a large reason why we don't have instanced housing, because the devs know it won't be a popular system, and a significant downgrade to the current housing system.
An instanced housing system that is functionally the same as current housing, would require an overhaul of the games most basic infrastructure, which if it were possible for them to do, they would have done it a long time ago.
Simply adding more servers isn't a great solution either (even if there wasn't a chip shortage), because there simply isn't a housing shortage on every world.
Some worlds are at 99% capacity, but others are only at about 70% capacity. Adding more servers would mean those at 99% might be able to increase their capacity by 10%, but then they will still hit that new limit and still leave players wanting more, whereas the less populated servers would have their capacity increased unnecessarily, and end up with even more empty wards, as they now only hit 60% capacity.
This problem is in large part a player-created one, due to discrepant population densities.
Best solution as a player, if you really want a house, move to a world that has plots to spare.
Also, don't be picky. If you really want a house, but you just don't want that awkward plot in the Goblet that no one is buying... you don't really want a house.