Limsa is one teleport/loading screen away from doing all those things. No matter where you are, just 'port back to Limsa and you can get that stuff done.

Not everybody has a teleport to residential wards. If they did, not all of them are so conveniently located near boards/bells. Wards themselves are split into multiple instances, unlike the cities, further diluting population.

When people want to be around crowds, wards aren't conducive to that.