If housing were more of an individualized element of gameplay it would be so much better. Being able to walk through neighborhoods of sorts is a nice feature, but I've only had my house for little less than a year due to lack of spaces on my previous server, which forced me to move once I had enough money. Even then I could not get my dream mansion, but I'm quite happy with my cottage in Mist. Limitations due to money reasons-this I'm fine with. Limits on housing due to people being excessively greedy and exploiting weak links in the system is something that seriously bothers me. Although ideally it would be one house per character that was kept separate from others, in the system we actually have in FFXIV it would be more fair to limit houses to one per world that each character could share. However, seeing as how simply sending items to alts isn't even allowed, I doubt we'll ever see this happen since the game encourages you to focus on a single character.