You can the enter housing areas Shirogane and Empyreum with insufficient MSQ progression if you are in an FC who has a home there, are a tenant in one of those houses or have someone on your friend list who has a house or apartment there.

And the housing areas are typically the event hubs exactly because they are easily accessible (and customisable).

But if the game is not for you, it's not for you. There are other options to RP.