If I had never played Everquest 2 which had all sorts of instance housing I would be all for it in Final Fantasy thinking it would be good because everyone could have a house, but having played it I hated the fact of how lonely it was, (it's hard to describe) It was just you in your own house and you step out of the instance and there is nothing. with the way it is in in Final Fantasy, it is much better, sure it is similar where you zone into your house as if you were zoning into a instance but when you step out your in a community and you see people hanging around there own houses doing whatever and makes it feel much better. If people want instance housing so bad they already have it with apartments, just change them so they can be bigger and add on a instance stable area for chocobos/gardens on the side of the apartment buildings, this way everyone has everything.