There shouldn't be a 2 class system for housing at all. Everyone should be able to get a house in the wards, period.
Locking players out that cannot camp the plots 24/7 or cannot pay those ridiculous prices from those that grab them, is a bad idea.
There is no reason for "apartments". SWG had huge player made cities and Anarchy Online has whole cities that companies can pop and player housing.
All those mmos came out more than a decade ago and suddenly technology is preventing them from doing it?
Sorry, but that has to be a blatant lie.