No I already stated this was on me.
What I do not understand is the punishment aspect, but as you all are saying it is an anti-exploit measure then I understand that. It still stands there needs to be some measure in place to get your gil back or some means to legitimately cancel the bid. I would not even mind if they held on to the sum for some X amount of time to ensure there were no repeat bidding.

I also won it by default meaning no other bidders were present and no one else would have been impacted. Our FC already has a house somewhere else. Would keeping it and selling the one I bid on interrupt the other house? Can an FC own more then one?