A lot of that money is going to be pumped back into the company though. People need to get paid, projects must be funded, advertising needs to be done. Who knows how much is left after all that is taken into account. I'm not disputing that SE have the money to tackle the housing issue, because they do. But that big number on its own is a bit misleading. We don't actually know how much of a budget FFXIV gets. It may not be enough to fix housing and continue to give us the rest of the content we're accustomed to getting regularly.
And before anyone gets into a tizzy over how the money FFXIV makes should only be used for FFXIV, let me remind you that the money to make that game in the first place obviously came from elsewhere. It didn't spontaneously appear. It's standard practise to use money from one project to fund others.
What does this mean? Add wards equal to the amount of players who have enough gil to purchase houses? What about those who are gifted gil to buy a house? These people won't be counted. Or how about anyone who changes their mind? It would make more sense for SE to add enough wards to facilitate all the active accounts on the server that do not have a private home on any character on that server.
Well honestly it would make more sense for SE to give us proper instanced housing but that's another discussion on its own, and one that has been relentlessly repeated already on the forums.
If this really happened why not make a GM ticket? They won't give you the house back but they may refund you the gil if you lost the house due to a bug, and if they can see logs showing that you did purchase it.
One third of the game's content is locked behind housing? Uh...that's very far from the truth. Very very far. I love the housing but one third is a huge exaggeration.
Personally I'm enjoying the game a lot and I don't see a drop in quality of the expansions or patches, but much of this comes down to personal taste. I don't disagree that SE should address the housing situation properly. The ward system is unsustainable and it constantly dooms far too many players to be unfairly left out of content. It's a disgrace that it has continued for this long.