Nope, I still dont understand your problem - "lack of good liquidation"?
After 45 days a house will get auto-demolished while the FC-leader (or private person) is getting a refund on their gil - and yes, there should be a system in place to resell your house to the server instead of having to wait it out, but thats about it.
What would "good liquidation" be in your book?
People who are staying subbed and making sure there house isnt getting demolished are having a clear intrest in keeping that house - and at least for myself I can tell you that thats not only because I'd worry to not get my dream-plot again but also because I like the way I've decorated my house and dont want to do that again. Is it so weird that someone wants to keep something they've build up? I feel you're missing that point - people might keep houses not only because they're worried they wont get another again but also because they actually really like what they did with their house.
Of course they dont want to see their housing commitment go to waste - but that doesnt only include cmaping before a spot and snatching it but also the hours and hours they put into decorating., which you seem to miss completly. We're not having that many people "hoarding" houses anymore - we do have people holding on to houses because they want to or because those houses mean something to them.
Ideally we would get instanced housing and they said they would expand on apartments, if I recall correctly.
For FC-merges, we most likely only need a re-sell function - problem solved, 80% of gil refunded. But I doubt that many people are that attached to their gil and more to their time spend with and in the house. Gil is easy to come by, houses are cheap - I doubt anyone is against a merger because they'd lose 4, 18 or even 50 million (or rather a farction of that) by giving up their FC-house but rather because of "emotional attatchment" to the place. And thats nothing that SE can fix.
Let me ask you: what would your solution be?
...honestly, currently it seems that your problem is that people are attached to their houses - thats nothing SE can fix, because the reason for that isnt only "I got a house, cant let it go" but most likely also "I got a house, I've made this my home, I decorated it nicely, I like it - I dont wanna lose this place".



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