Sorry but this is an awful idea.To make larges available to everyone, it would have to be a system different than the ward system we have now (with 3 larges per ward). I have a solution that might work... and technically SE has this capability in place already.
Imagine a they add a new ward to each of the 5 districts. Each plot is laid out just like it is now, lots of smalls, a few mediums and fewer larges. You pick whichever plot you want. You decorate the exterior however you want. You decorate the interior just like you would for any house (presumably large for the sake of argument). I can own Ward 31, Plot 30... and so can you and you and you and you...
How do we do this? The very same way that SE leverages what is actually on your screen depending on where you are in a quest line... like tribe quests or MSQ. You know how the world changes based on where you are in a quest line? Let's say the exterior of your house... looks like how you decorated it... just for you. So I walk up to Ward 31, Plot 30 and it has my decoration. And when you walk up, it has yours. And... within the scope of the plot of land, no other PCs are visible. So it isn't like we'd see each other at this plot of land. You click the door, it brings you to your instance of a house, not someone else's. I suppose there could be a way to visit someone that shares your plot... Other plots around you, the server maybe randomly picks which version of the plot to display to passersby.
It isn't that far-fetched for an idea. Even when it comes to things you can interact with. My mining point spawns are only visible to me and not to you. What I pick up doesn't effect you whatsoever. Nor does what you do effect me. Make the exterior decorations the same way. If I have that campfire furnishing... you can't click it. You can't even see it. Nor can I see your stuff.
I think they have most of this capability in place given what is in the game right now. They could pull off something like that.
Nobody wants dozens of random players hopping on invisible tree houses in 'their' garden.
Fully instanced would be better than this.

Exactly. And how would SE even be able to verify it.
We have 3 FFXIV players in our house, all with their own services accounts. I pay for the whole family.
You don't really need to enforce something like that, people who own tons of personal are obviously not even being malicious, just making something against the rules will dissuade a lot of people to not doing it in the future.
"please don't do this it's against the rules but we don't enforce it" from the devs does help.

Honestly, make it so we can bid on a house from Mon-Fri and have the results be Sat-Sun
You wouldn't know they're present any more than someone starting the quest "You Are Not Alone" is going to see all the gatherers doing their tribal quests at the same location.
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