I'd like to for them to do what Log Horizon had shown (which from what I understand, is basically what Wildstar did, ala Makeda stated) and have a single (or four considering we have four major cities) central location with instanced housing in each. Don't care about the size (could be the size of an Inn room for all I care), but the key thing being instanced for people who cannot afford the legit neighborhood housing with the lots and everything. I would also provide a small public stable outside the capital cities for chocobo raising (in these public stables you can only tend to your own chocobo, and the experience gained lower than the ones in personal housing), and perhaps a small potted plant or something in the rooms to allow for some gardening (You can only plant at most 1 or 2 things.)
As stated, leave the current housing lots as is, if someone can drop the gil on buying it then more power to them. I personally would have made the houses far cheaper, but added a maintenance fee to keep the house standing. After the first month of not paying, the house is set to "condemned" and you can't go inside it until you pay the gil to reopen it. Go two months without paying it, and you lose the lot, with all of the stuff inside the house being moved to some sort of storage for safe keeping, but the lot is lost and free for someone else to purchase and build on.
This to me solves the major issue with housing offered in this game.
1) It allows players who want housing but can't drop 30 million gil on the lot a nice bit of personal space to play around in, while not stepping on the toes of the people who DO have the 30 million gil to drop on a lot.
2) It makes sure things aren't gated either by Free Company or having massive amounts of gil. A person in the apartments can still raise their chocobo and will still be able to grow plants, just naturally not to the extent of someone who did drop 30 million gil on a house.
3) Still encourages those who drop the gil on a house with the benefits, but adding a tax would at least open lots up so people can't buy a house, quit for 8 months and come back expecting their house still standing.
Finally, it would only be natural that if someone had already bought a house before this system was put in, the new price of the house would be taken and the rest would go into maintenance. So like, 30 million house, maybe half would go into the actual lot, and the rest would go into maintenance, giving them i don't know like a 6 months or a year buffer before they would have to start paying for it.



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