I think the main issue is some core coding problem, I highly doubt the Devs sit in a circle and think to themselves: "You know what would be great? If we didn't add more houses so people couldn't enjoy the content, FC left out to pale in comparison to FC that have them, and so they wouldn't purchase more items off our cash shop - that'd be really great! Ha Ha Ha Ha Ha" lol.
Onto your idea though, sounds fun. I'm a big sucker for things that change visually overtime, even though it's just donating gil I'm having fun wandering around Doma as I upgrade it.. I just like those things. I look forward to Ishgard because of that.
Back when I pushed instanced housing harder I was into the idea that FC housing would become a zone wide control of the current ward system (so instead of a guildhall in some MMORPG it's more like a Guild City), in that you'd have a headquarters in the main building (like Windmill for Goblet) and then you would fill the rest of the houses with relationships you've built up over time like Dark Cloud mechanic (so like animal crossing). The relationships being things you'd work towards as a team to gain new bonuses (like Delivery NPCs for your FC, who'll come to your city and you can upgrade them further then and gain more features, like goblin blueprints or Slyph automatically caring for your gardens). Then the new personal housing system would be like Wild Star but the lore would be the crystal mother has created a pocket of aether for you in her bossom (which is why you can control so many visual features of it, and teleport to it from anywhere). Also some people prefer humans as neighbors, so if you change content entirely under their feet they wont be impressed lol - better to add something than change/remove.
But..... Unfortunately... I still think regardless of how many cool ideas come about that having full powered instanced housing (like what we have now, but without limits) is just beyond the current ability of the system and probably some deep core issue blocking an easy change to that system.
That said I do think we might be able to suggest ideas that dodge some of the memory concerns and thus become possible. For example if you take away the high customization of a sole house, I believe, you could absolutely have a city you help grow - so like the Dark Cloud/Animal Crossing features but without the ability to place 500+ items down. Because storing ~20-40 npc, what house they're in, and upgrade state is a lot less memory consuming than 500+ items that have multiple values stored with each.
That is why I tried to come up with Airships as a system that might actually be possible while still lending to some nostalgia and give a homely/customized feeling. Not that I'm opposed to instanced housing with full placement support (that'd be awesome), I'm just concerned at this point that it's not feasible or at least so far it's such a hard problem to fix. They've not been able to fix it so far and might not be able to without substantial redesigns to underlying systems (they may need to drop another dalamud lol).


. I'm a big sucker for things that change visually overtime, even though it's just donating gil I'm having fun wandering around Doma as I upgrade it.. I just like those things. I look forward to Ishgard because of that.
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