Personal Housing should have been an instance similar to that of XI's Mog House/Mog Garden. Originally in 1.0 we were promised a Mog House, which I believe never came to pass. There was a NPC in each city 1.0 that used to state "This is the residential housing district beyond these gates." (Or something to that effect) It should have been talking to that NPC put you in your own area with a Small House and a Fence like our plots are for FCs but personal. You would have not had neighbors yes. But let's be honest with the rush that there is going to be of rich people buying houses on their mains and alts, we aren't going to have the luxury of our friends being our neighbors anyway. This way would have made it so everyone got a personal house. They could have even put a 1M price tag on it to gain initial entry. But at least it would have been an option that could not be taken away by other players. It could have even been separate price tags 1M, 15M, 40M and depending how much you paid decided what size house in your personal instance with the option to pay for a upgrade in the future.