Just my 2 cents;

GREAT SUGGESTION FOLLOWS! (imo!)
Lets see starter houses! Something around a few hundred thousand gil or so...with a few things customizable.
About the equivalent of a van down by the river...Maybe a shack on a hill...Thief's den!
Maybe these could be located in the hamlets scattered around! Kind of like living in the suburbs.


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It's fine to have some high rank housing to work towards! I'd love to see our FC upgrade from a p.o.s. first house to a mansion at some point!

The crappy thing is...these HUGE price tags to even get started is just wrong. If anything, it encourages players to buy gil and get banned in the process. >_< Face it, this isn't the best way to get an FC to work together. SE is kind of assuming everyone in an FC is driven to build the bank....and that's just not true. Only the most hardcore FCs have most of their' members grinding like that. It's just not realistic.