Housing needs to be account based

[Reinha]

sometimes we have to make choices between which of two things that are important to us is more important. Choosing Thing A over Thing B doesn't in any way demonstrate an objective lack of interest in Thing B; it simply shows which one was rated higher relative to the other.

OP chooses to keep 3 million gil instead of buying a small Goblet plot on his own server. The unwillingness to pay the cost of a house, at least to me, signifies a lack of interest in owning a house.

maybe a lot of us could stand to lose some of our houses.

Why? Nobody else wants those houses. OP doesn't want a house on his server and many other people don't want a house in fc wards, EU, Oceania or Dynamis. What would freeing up more plots in those places accomplish?