Keep in mind that if an improved instanced system was added that allowed for houses instead of just apartments, every current house owner that switches to it would open a spot in the wards for those who want a ward house.
So you are expecting people with a fully established house in a normal ward to move to instanced housing (where they would lose everything, including their current decorations and would have to re-do it all over again) and also they would lose their houses in an actual ward, for the sake of moving to instanced housing ?

I'd love to live in whatever world you live in lol