Housing is meant to be like a glamour system, or basic character customization. It isn't something players need, its something that players want. If you don't want to contribute to an FC house, tell your guild.

It's meant to simply be another way for a player to express themselves in-game, which makes housing a piece of content that can't become "outdated" and something that the devs never need to redevelop.

If you continue playing this game, I guarantee you, after raids come and go, gear sets collect dust in your wardrobe, after friends come and go, you will appreciate things that don't have to change, and that you can hold onto them as 'yours.'