I think the least they could do is impliment a basic room/house available as a default living quarters like how it was in FFXI or hell, give me the option to increase my room size in the FC and I won't even care about having personal housing. I'm sure many people would at least be happy with that and then allow the ones who do own a house have it for longer, I'd say a year unsubbed would be a sufficient timer (though I'm sure those people would say otherwise).