I think the housing prices have caught the majority of the playerbase off guard. I know it came as a shock to our FC. We had raised 2.2 Million for a small/medium FC house. On Hyperion, a legacy server the prices are 20 million, 80 million, and 250 million respectively.
As much as I want to think this has to do with combating RMT, or more optimistically, making FCs earn a house that is going to be such a big part of the game, I've come to realization that it is likely something far more practical.
YoshiP, in one of his earlier live letters, indicated that there are parrallel instances set up for the number of plots currently available. As soon as those plots fill up, they will decide if and when to add more instances. Instances are located on a separate server. It all probably comes down to the fact that if housing would be available to ALL FCs, including ones that only have 10 members, then it would require the purchase and maintenance of hundreds of additional servers.
It's a dollars and sense issue I believe, which is sad because other games don't run into this issue. I never believed, until now, that housing would become an "elitist thing" that completely segregates the community.
Prices like this force everyone in the free company to give their last gil and to farm daily just to make the purchase price. If housing could not be something that was available to the majority, then maybe it should never have been introduced in the first place.
I'm a little disheartened by all this and I will not be spending 10 hours a day farming just to be able to contribute my portion. I'll do the best I can, but I know even if everyone else in my FC contributes, it will probable take us 6-9 months to get a small house and that's being optimistic. We were only able to raise 2.2 million in 4 months....
I really hope they see the outcry from the community and make some adjustments accordingly.