This claiming system is really good, good for SE, because it can cash more people to pay their monthly sub, and good for the active players who play the game, as more houses will be available for them.

The private housing will not allow never tenants to reset the timer, so will force more houses in to the market, which is also good for the active players; that's a problem for you? use a FC house instead and let your pals reset it.

If you are so worried about losing your private house because you cant log in, ask a friend or a relative to lend you the money for the sub and let them, with your character, set a foot in it. (if you don't have money, friends or relatives, that's another, more serious problem you should solve first before worrying about a virtual house)

And yes, I have a home I worked a lot to get, (in Balmung, a really crowded world); and I do understand there's a lot of things SE has a LOT of work to do, like obviously, create more houses, and houses belonging to one account with multiple alts.