Well 1st of all there is gardening, 2nd of all some people are in FCs on servers where their FC cant even get a house now they cant personally get one, so they will still be put at a substantial disadvantage considering the emphasis the game puts on gardening
Join a fc that lets you garden or look for someone that wants to sell there fc and get a ton of ppl together and buy one my fc was small and it took us a long time to save up for a small house but hey this is SE are you in that much shock it came to this?