Why the hell does it matter whether personal houses and FC houses are in the same ward or not? In fact, its probably better since it will be easier to build a community this way. What did you want them to do to distinguish FC houses from personal houses? A house is a house. Did you want personal houses to be more limited? Why in the world would they go out of their way to limit our options? Did you think that personal houses should be small? Okay, go buy a small house then. Why does it bother you so much that others can buy large houses? Its like saying that since you can't afford a mansion, rich movie stars and corporate CEOs shouldn't be able to as well.
Are you just whining cuz you can't afford even a small house? Then tough luck, go make some gil, quite the game, whatever. Most people won't be buying these houses til after the 60 day mark so if you can't even make 2 mil gil when so much gil has been added to the servers since 2.1, then by all means, quit the game. Or does it just bother you that others have the option to buy a house that you can't afford?
If you think an FC house is already enough and don't want a personal one, then great. No one is forcing you to buy a personal house.
The only difference they can make between a FC house and a personal house is to make one more limited than the other and I see no reason why they should limit all of us like that. There are people who don't want limits on their personal houses; if you want to limit your personal house, then do so, no one is stopping you. Other than that, a house is a house, what other distinction can they make besides that one is shared and the other is not? They could make even smaller houses for even cheaper but that would just be a waste of resources.
My only complaint I really have is that you can't have joint-ownership, like with a significant other or something; though this will probably be addressed later on. It is also likely there there will be features in the future that can only be done as an FC. Other than that, a house is a house, how big it is is determined by your wallet.

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