What if we turn personal housing into animal crossing. Give us a virtual neighborhood of whatever city state (because currently most neighborhoods are dead, or empty houses with a striking dummy). Acquire a small house through an npc that gives u a debt to pay, when ur done u can upgrade the size of the house, and ur debt gets larger and larger. Give us virtual neighbors that we care about rather than the current ghosts that haunt the houses around us. They can have random requests like “visit my house” or “make/ give me x item” and build relationships with them. Eventually they pop in your house, and during seasonal events they can make something nice with it. Fc housing can continue in the current wards that’ll be fc only.

Everyone gets a house, a neighborhood to costumize and guess what?! Actually interact with!