Personal housing, yes. But even in real life, you buy a house as an individual, but you would ask your girlfriend or boyfriend to move in, you ask friends over to use your computer or your PS4 (hint hint).

So what's wrong with giving some permissions setting for vendors, for gardening, for chocobo? It adds a social element to personal housing too, and not all FCs allow personal gardening. Plus it's just copy-paste code from the FC permissions log.