I’m all for seperation of FC housing from personal housing in that FC housing should keep the current ward system and personal housing should be instanced with a housing size progression system and other features. This way it keeps the social aspect of housing between FCs which is great, and a more personal house that we can progressively improve and invite people to. I explain more about it in this thread.
Cost and resources are surely an issue, however it doesn’t have to happen all at once. And it’s definitely worth the investment since the demand on housing is high.