I don't think there should even be personal housing tbh. It should only be fc housing. Beyond that even as it sits now the most relevant content regarding housing (airship explorations) isn't even available to personal housing making it even less relevant. If they did decide to implement personal housing they should have done it the way the extra retainers work to offset the cost. Housing areas were less of "ghost towns" before personal housing came along and most people with personal houses barely utilize them. This game simply doesn't have the space to meet the demand of personal housing in anyway and SE has been chasing it's tail since it implemented the idea.