When one subscribes to the game he/she still has to go through obstacles to complete msq max a job level, get that desired gear set or mount.

With housing, its also provided. SE did not want its players to sleep in the streets.

1st form of housing is the INN, free of charge you have a private space where you can access retainers get haircuts, fix your glam, play orchestration rolls log in log out inside the INN Room.

2nd form (tied) are FC Rooms for 300k Gil, and Apartments for 500k gil.

3rd form are the Plots for 3M small plot, 25M medium plot, 45M large plot, and you need to have some patience just like leveling through the game it will not be handed over that easilly.

So for now just play and see what the game has to offer.