This is a good idea!
I also had another idea for people with low amounts of gil in comparison to the rich folk.
Have two types of wards that get released each time: The normal wards they have right now, and the housing-only ones, which have cheaper houses for players-only, but don't allow for chocobo raising and gardening. I know it will make lots of people upset (Don't know how to not make people upset realistically), but if they're cheaper, then you get what you pay for?? I dunno just an idea.