There needs to be a strict 1 house per server per account limit (with the option to share the house with alts). There also needs to be enough housing for everyone. A lot of other MMORPGs manage to give every single person a house, some free to play and with far more robust decorating systems... Housing in FFXIV has been a travesty since ARR and SE continuously refuses to fix the overall problem, opting to only provide extremely short-term band-aid fixes. The data centers are split and server congestion has supposedly been reduced... It's time to give everyone a house now.