Opt out of housing in game

[Silverbane]

But there's a big difference. You can farm mounts.

You mean, invest time and effort doing a dungeon again and again and again on the off chance that maybe the mount will drop, and maybe you'll get it? Sounds a lot like entering the housing lottery to me, except entering a housing lottery takes a much smaller investment of time.

You can run the harder dungeons if you take the time to unlock them.

Not everyone can do the hardest dungeons, either because of hardware limitations (e.g. bad ping), time limitations (e.g. they don't have enough time to spend on the game to get gud, get into a static, and farm the content), or physical limitations (e.g. palsey). But everyone with the gil can enter the housing lottery, and gil is easy to get in this game.