They should work on instanced housing for personal houses.
Make one island per character with ability to make it small, med, or large.
With a yard included in each one and everyone can have large house if they choose to pay for it.
Same prices as normal houses for upgrades to med or large.
Once the instanced housing for personal homes is made force all non fc owners to move to single personal instanced house per character.
Leave all the wards as is for fc only homes and limit it to 1 per account on world regardless of how many fcs alts might be in. Forcing players that may have abused the fc trick to get more houses to pick one fc with a house to stay in.

This way all characters will have instanced houses that only load when your in the zone or invite someone to your island. No one would be left without houses. All the fcs will still have the wards for airships/submarines. It may take some time to do it, but it would be far better system then what currently is out there and wards would still be used and there for fcs. With the amount of housing items they add to the game its sad there hasn't been real housing fixes added. So much potential just wasting away. Having so few large and med houses also hurts the system. No idea why they didn't just have same size plots and let you choose if you want small, med, or large house in the first place.