It's not the players fault that solo FC's exist.

The housing system has been a mess since it first came out in 2.1. It was SE that decided that the only way to own a house on housing launch day was to be the leader of a Rank 6 FC. And let's be honest here, only the FC leader and maybe one or two VERY close friends get to play with FC housing; the rest are just occasional visitors. The majority never got to experience the Housing System unless they made solo FC's. I would have happily bought a Personal House, though they didn't exist yet, and thus was forced to make a solo FC.