Making a FC doesn't cost anything, and if you can buy a personal house, that shouldn't be a problem if you're in an FC then either.
They should've just implemented a cap on the houses you can own. Someone on my server has like 8 houses, all small/medium. And put a minimum level requirement of 50 to buy them, and a quest chain involved, so people can't just infinitely spawn alts to get around that cap.