When World Of Warcraft is better at cozy things than SE FFXIV it is a clear sign that housing is a problem.

Getting a house in World of Warcraft: Midnight is designed to be very easy and accessible, costing only ~1,000 gold per plot with no lottery or limited availability. Upon logging in, players receive a quest to start the, which, when completed, allows them to immediately choose and purchase an unoccupied plot in a neighborhood. also, the quest rewards you with 1,000 gold.
SO to break this down
1. Get housing quest, rewards = unlock housing, gives 1,000gold
2. Complete quest.
3. Use completed quest gold to buy a house.

SE has become greedy, They have partnered up with Nintendo to give players FFXIV for switch 2. Nintendo is charging SE a fee to have the game on its system. SE passes the fee off to its players. So no you have to pay for a subscription to have a subscription. SE is going down the tube man. This game needs to ether Die or given to a different team that understands that gamers are what keep your game running. respect us or we will leave. then again FFXIV player base IS dying.... wonder why