Well maybe not a blanket ban but rather a shift in policy to enforce the restrictions of only 1 personal and 1 FC house per world at max. Advance notice to be given to owners who own multiple plots to divest of their holdings or they would lose their extra plots.

Then plug up all the loopholes which enable players to circumvent the restrictions of owning more than 1 personal and 1 FC house per world and account and it would free up a lot more plots. There are several players who own hundreds of houses on one account just to submarine farm and this would free up a substantial amount of houses for players who do not yet own a house but would like to get one.

Even if you decouple the in-game financial incentives for owning a house now, the multi-plot owners have no incentive to give up their current houses since there's no in-game mechanisms like monthly rent or such which penalize them for holding on to their houses.