I personally like the housing timer, simply because if I ever wanted to move and not take a hit on gil I would easily just wait out the timer, grab 80% of my gil and move on to another house. easy peasy.

I do think they should implement instanced housing, like ESO has, where there are houses in the field or cities and everyone can buy it and do what they want with it. I know they are sticking hard to the community thing, for some unknown reason, but there is no reason there cannot be both communities and instances. Yes there is apartments but they are embarrassingly small and lack a lot of the options actual houses have.