Ah yes, these loopholes through which people can hog large amounts of houses, barring lots of other people from owning one. I came here to bring up this exact issue, only to find out that it is much, much worse on other DCs.
What confuses me is this: The inclusion of the one-house-per-account and one-house-per-fc rules would imply that SE actually wants housing to be limited so that more people have a shot at owning a plot. But then why leave things this way? Why implement restrictions in the first place if they come with very obvious ways to circumvent them?