Please fix - really poor game design

[worldofneil]

I can't understand the logic behind it.

It's a way to convince people to stay subscribed and they also probably rationalise it that they store less data for non-active players then.

The same goes for having to pay for additional private quarters if your FC drops you or disbands. The game is asking you to take a risk at spending a large amount of gil and not guaranteeing once that money is spent that you will continue to keep what you paid for.

This is true. They probably justify it as a gil sink though to remove money from the game (as there are so many ways to get money that comes from nowhere and very few that actually take money out of the game).

Why wouldn't they just make private quarters be owned by your character, but only be able to have access to through a FC instance you are apart of?

Because it's attached to the house and the house is owned by the free company. I agree it'd be nice if you could move it with you to a new house, but that's unrealistic (unless they invent some lore that explains how your room isn't connected to a solid house/moves around...)