As much as I want a house and have expressed that I'd likely pay for it in the past, I think that's when I'd let my subscription lapse. I wouldn't any worse for it either, when there's a major problem that's been plaguing the game for quite some time and their solution is "Buck up and pay for it", I'm going to give them the middle finger and give up on the game. It's only going to go downhill from that point. When even "indie" MMOs such as Albion online can do instanced housing but FFXIV can't, there's really no excuse.