There should be no "auto-demolish" option, we all put in more than enough money into this game to be able to keep what we purchase. I just gave up my FC to a friend because I'm thinking of unsubbing, partly because of this housing problem, and I didn't want the FC house to be lost or for the main control to go to a random player in the company. I have also given up on the concept of a personal house for myself, because of the same issue - I play and craft my ass off to buy a house, then life happens and I have to unsub, then I lose the housing I worked so hard for in-game? Housing shouldn't be a battle between players - it should be an option that will always be there, regardless of sub or no sub, which is why I say instanced housing would allow this.