I would say it should be expected not unrealistic.
I feel for those who have been waiting for years now and I believe they deserve to have a home by now, housing IMO should not be a competition/epeen contest aspect of this game, it should be one of the few things that exists just for....idk, the "F" word...fun and player creativity, a place to let ones imagination go and relax, not like it is now lol
In some other games homes are infinite and zones huge to decorate and actually create in, not to mention one can purchase 10+ of them to create in...cheaply!
If a complete revamp would be necessary then I say do it, because it is long overdue.
Just my personal opinion on the matter...housing is one FFXIV weakest selling points by far.