Crafting:
Well, ESO sucks so I don't want FFXIV to copy them to that extent. I personally like the crafting in the game as is.

Skills:
The skills you earn through your classes are great as they are. you can even cross skills to other classes to make them somewhat different from, lets say, your average tank. Like one tank might focus on the cnj healing skills as an extra healing bonus or another tank might affect his enemies like using the plague skill from the arc to decrease their attack and dexterity so that they live longer.

Housing:
I see no problem getting money for a house. From my point of view, it like real life. If you want to buy a house then you got to be able to pay for it. It's up to you if you want to buy your own house or or go into a FC with a house but the housing feature is actually pretty nice to have. You can even craft your own furniture and objects for your house as well so you don't have to waste time buying things from a npc or something.