ok why is this even allowed ? (housing)

[Arillyn]

I'm stating for the term to be account bound not character bound so lets say My Meru makes an fc gets a house and I get a Alt lets say named Lexi and make it able to get it the game would prevent Lexi from buying a house and give a error "currently owns a house bound to this account"

I understand what you are saying but say your alt is in an FC and the leader stops playing and you inherit the FC leadership position and therefore the FC house. Does that mean the rest of the FC then becomes homeless because that house will be demolished because you already own an FC with a house on your main? That's also why SE changed the FC "rule". It's not perfect but I think they were trying to choose between the "lesser of two evils".