SE XIV would have to scrap the entire housing system to make it work like other games (or so we have been told by various people against instanced housing bc they want to keep making surplus gil/ RMT on flipping FC plots which they can still do)
Some games (like FFXI) you just had a house. You didn't have to mentally hurt yourself for one.
Some games, just give you a house after a certain period whether it's story advancement or crafting related.
Other games created instanced housing. So, you & I & 20 other folks could own the same house but a page comes up that shows the users who own the same plot, but friends are on the top- so you can click on your friends & the furniture/ designs would change to match what your friend put & now you are in your friends house.
If it's your house, you just enter to see your house but you can also view other peoples designs on the same house- it's like a tab/ UI page you can cycle through
That's how Black Desert did it & it's similar to ESO
In BDO (black desert) - the towns usually looked lived in because the houses were often in cramped alley ways around NPCs or high up in tree canopies.
Wildstar you had your own island that you could literally turn into a town/ barren desert/ ocean/ elven forest/ magical snowfields/ spooky cavern/ creepy asteroid with a black hole- the only limits were your budget & imagination lol
You could size the items up or down- and they didn't pixelate.
Things folks have suggested for literal years for XIV:
Instanced houses/ islands
Increased apartment size
Apartment roommates
Garden plots for apartments
Increased interior item limit & storage for all house sizes
Reworked Housing UI for decorating- x, y, z Axis placement (similar to other MMOs)
Adjustable room lighting per room
Adjustable music per room
The neighborhoods in XIV are mostly ghost towns so that system has failed & is flawed.
The lotto *is* good on paper & is good so you don't have to sit at a placard all day, losing to a bot that runs a 3rd party program to click faster.
Some would argue that apartments are instanced housing & technically, YES. BUT it lacks any good features that owning a plot or FC actually provides.
Having an apartment is a literal downgrade & waste of gil unless you need a storage space.



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