Ok.
You have two characters on the same account.
One owns an FC, let's call him Clive
The other is a member of another FC, lets call her Barbara.
This is all above board, and intended by the game systems.
Barbara's FC dwindles until there's just two remaining members, then the owner goes AWOL for 40 days and the system automatically swaps leadership to Barbara.
But Barbara already owns an FC house via Clive...
The system has no choice but to give FC ownership to Barbara, despite the fact that this conflicts with the core rule of
"One FC house Per World per Service Account", because if it didn't, well the house would delete itself? The FC would vanish? I have no idea.
Meanwhile the previous 'owner' of Barbara's FC is now free to go and create another one and repeat the process.
This is a unintentional scenario in which the player has no choice but to receive ownership of two FC plots on one service account. This is what the loophole exists for.
This is the spirit of the law:
This is the letter of the law:
They conflict, thus it is a loophole.
You don't have to worry guys, you're not going to get in trouble for doing this. That's what makes it a
loophole, and not an exploit.
But you can stop doing mental gymnastics trying to convince yourself that it's an intended function.
When everything on the website says
"One FC house Per World per Service Account" and yet this is
completely invalidated by a clause that allows a Service Account to accrue multiple FC plot ownerships, then there is no way it is intended by design.
It is not
"One FC house Per World per Service Account... except if you do some weird things with FC's that aren't intuitively obvious."