So when are bans being thrown out..

[Niwashi]

Let us demolish our houses for a full refund while free transfers are up. Then we can transfer without any $$ loss. At least for the overloaded worlds.

Already there. In fact, you get not only a full refund, but extra gil to compensate for any non-removable furnishings:

Bonuses for owners of personal housing/apartments

Personal housing
Reimbursement for the full price of the estate, plus compensation of 3,000,000 gil for non-recoverable furnishings

Apartments
Reimbursement of the 500,000 gil price, and compensation of 500,000 gil for non-recoverable furnishings