DAoC had a fairly fair system for this issue imo, you were inactive for 90 days, your plot would be demolished, however everything in it would be saved on an npc and held until you picked it back up, and talking to another npc would give you a voucher for a free house of equal value to what you had, although you would have to rebuy another plot, though in DAoC plots were cheap, the houses were expensive... so maybe give voucher for plot, but you need to still buy the house?

But yea, I agree, if SE doesn't plan to add more housing access, there should be some kind of system in place that relinquishes plots of inactive players/fcs. Why should I retain the right to limited content if I'm not even playing, or planning to play in the near future. I already have a house, but would gladly give it up if/when I decide to stop playing.