Like many, I was looking forward to buying (and relocating) a house in Shirogane. I didn't get one, however, it was a result of my own error (I forgot to pull the money out from my retainer the night before, so I missed being able to buy by seconds; upsetting, but life moves on). Reading a bit through the forums, I have seen several suggestions of creating more wards, instancing the housing, or, more drastically, revoking the housing from those who have already purchased multiple houses. Each of these suggestions have significant issues that present them as potentially a bad idea that won't necessarily fix the basic housing issue and may worsen other issues.
My basic suggestion is to allow current home-owners (even ones with multiple) to keep their current homes. However, purchase of any new home would require relocation of an existing home, along with assets, to the newly purchased lot. Further, in the case of those with multiple private homes associated with their account on a given server (through alt-characters), they must choose one of the private houses owned by their account to be relocated to the new plot and, at the same time, relinquish ownership of all other existing plots. Otherwise, they are not allowed to purchase the new plot if they are not willing to agree to this at the moment of purchasing the new plot.
I think this would help open the housing market significantly to new home-owners (should new wards and districts become available in the future from SE), provide an option to existing home-owners (whether to move to the new area or keep existing assets), and migrate the game population to a new, more fair system of 1 private house and 1 FC house per account per server shared amongst all characters for that account on that server.
Now I can think that many currently owning multiple home would think this is unfair to them as it is shutting them out of the market unless they are willing to agree to a significant reduction in assets. However, my opinion is that those same people are currently shutting out a very large population players from enjoying home-ownership. So, how is what they are doing fair? Just because it's not against the rules doesn't mean that it isn't unfair. The above system offers a choice while providing a greater opportunity to a larger part of the game population than currently exists.
So, what do you all think of this idea?
ADDENDUM: Just thought of something to add. Those with multiple homes, should they choose to relinquish their other houses and relocate the one house, they will be refunded the purchase price of the houses they relinquished (so, they get their gil back).