"Why does SE make content not obtainable by everyone?" Huh?!

[Noshpan]

While the initial cost does seem a bit high, there are some things to consider.

For one, the cost of FC housing isn't meant to be the burden of a single individual (though there's nothing stopping a single person from doing just that). The FC housing is meant for everyone in the FC who can chip to be able to do so. Even the smallest gil can help. So it is only understandable that FC housing prices may be a huge gil-sink, especially for the priciest piece of land and housing. Naturally larger and/or more active FCs will acquire the elite mansion sooner.

Another thing to consider is how will the housing serve your FC. Or, more accurately, what is the purpose of your FC. Is your FC going to be PvP-focused? End game raiding? Crafting? Just being social? Those are things to consider when not only choosing the land for your FC house, but the size of the house as well. Not every FC needs the biggest house and tract of land, even if it would be nice to have.

One more thing to consider is that FC housing isn't meant to be for a single individual (that's what personal housing will be for). It is meant to be for a group of people, united under the banner of your FC. Its burdens are not solely yours to bear but to be carried by all members of the FC. Everyone in the FC should, in the spirit of unity, contribute to the FC. It doesn't have to be a whole lot, even the humble donation of low-level crafting materials can help your FC-mates who are leveling their crafting, for example.

One last thing to consider is that we don't know how much personal housing will cost, as that feature was delayed for released. I suspect (hope, really) that it'll be less than that for FCs. FC housing needs to not be viewed as a home for a single character but as a home for multiple player characters.