Why not just add instanced housing?

[Morningstar1337]

Instanced housing isn't the be-all end-all solution that many think it is. Current instances are not saved (e.g. nothing in the Inn Room is saved). In an instanced housing model SE still need to make sure all that data gets saved (object placement, character location etc.). This means that regardless of wards or instances SE is still going to have to purchase/setup hardware and storage.

You know, SE is gonna have to update their servers eventually, unless XI's servers lasted as long as the content did (which would explain a lot)