1m a month? o.O It took me, I kid you not, like 6 months to even get to 1mil (and I'm at 800k not 1mil after buying decorations for le house). The only way I even own an FC house is because I only paid half of it. My FC is literally just my boyfriend and me, before they implemented personal housing and being able to share benefits etc. We don't craft or anything, so it took us a while to even SAVE for it. Tax would only push poorer players like myself to not own homes, and all the homes will be owned by them rich folks lol

Usually, poorer players like myself, aren't very concentrated on hard core end game goals. I don't care about best gear, best weapon, top item level, etc. I enjoy the story and play it very casually for fun, it's usually players like myself that enjoy the housing as an end game more than the previous end game goals mentioned. Every random person I talk to who takes the game much more seriously than me, has a bunch of gil, barely cares about housing, whereas players like me *really* care about the fun of it. Punishing us for being able to own a home just because you couldn't, to discourage owning, isn't right o.O

PS Im not saying hard core gamers don't enjoy housing, but I've noticed it's more common for casual gamers to be more attached to their housies.