[Housing] 1 House Per Service Account. 1 FC Per Service Account.

[Skivvy]

Instanced housing wouldn't have customisable exteriors.
So then... what is the point of an instanced house?

Just expand the apartments system to include larger interior options, and an additional instanced external 'balcony/terrace' option. This would give the player exactly the same resources, without having to dance around the magical house that has 10,000 different interiors and a crowd of people always outside it queuing up to get into their version of it's insides.

Instanced housing can be so much more than just the inside of a house (like our apartments). You can have a large property all to yourself, including an outdoor area as well as the house itself. Wildstar (RIP) even had the option to have an island instance with several of your friends. Everyone still got their own personal section of land to design, but your friend's plots were just a short distance away for visiting. I would absolutely take that in a heartbeat over our ward system.