IMO I had thoughts that the personal home and retainers should have been a shared by all characters on the same world from the start. For housing the character that made the purchase would be the owner but alts would auto register as tenants. In regards to retainers there's 2 reasons I feel like we should have gotten up to 2 free per account per world with additional purchasable via subscription options from mogstation. 1. It makes the game more Alt friendly as we'd be able to store things on a retainer and access it from any of the characters on the account. 2 has to do with the retainer naming system that appears to require retainers to have unique names on their world and does not give a space for a family name like player characters.