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The only houses in the game that can only be bought with Crowns are the huge ones meant to serve as guild halls (the ones they frequently rotate in and out of the store, to the disgruntlement of most of the playerbase). They aren't necessary unless someone either plans to form a large guild that needs the space, or they simply like the location/style/etc.
You can pay for every other type of home with in-game gold, and own it forever (with it being tied to your account, meaning all your alts can use it as well). All furnishings can be bought with in-game gold except for very specific Crown-only purchases - which, again, tend to be stuff someone will only want if putting together a guild hall for a guild that would actually need or make use of such items. Some items may simply rotate in and out on the Luxury vendor every weekend, but there's usually people selling past Lux items on traders anyway.
You don't need to spend thousands of dollars to either buy or fully decorate a house, and I don't think that's ever been the case. Simply grab the patterns/blueprints/praxis to make them yourself, or buy them off guild traders. The worst any non-Crown homes will run you is some extra time finishing any necessary Achievements to unlock the ability to purchase that home with gold.
Frankly, you can even buy the Crown houses and items with in-game gold too, since ZOS allows for the trading of Crowns for gold and vice versa. It'd simply require people to put in the effort to make the money to do so - which is the same as in FFXIV, really.
At least you won't lose the houses you buy if you quit the game for a couple of months to 'take a break', as Yoshi does love to say (while holding houses hostage to a subscription unless auto-demo happens to be off).
Also frankly, given it's a buy-to-play game with an optional sub... I'm more lenient with cash shop pushing than I am a sub-based game double dipping with extra charges for retainers and a cash shop with overpriced attire you can only use on single characters. Not to say ESO's cash shop isn't predatory as all heck, but I can at least understand the necessity of not just having it but pushing it so hard, because at the end of the day, it's essentially free to play after you purchase the game.
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Games that came before and after FFXIV have all - for the most part - had better housing systems than FFXIV. Which is incredibly sad for a game touted as 'the greatest MMO on the market'. With Wildstar out of commission, ESO is king of housing at this point.