This game needs way more wards!

[NessaWyvern]

I disagree on that one, instanced housing get boring really fast as it feel pointless. Well it feels like playing the sims all alone in your house. Your action are meaningless since nobody will be impacted.

I disagree, it actually creates a hub where everyone stands outside, people talk and advertise their houses, and visit others.

House parties were a huge thing in Runescape that had instance houses, simply for this reason (and FF14 houses are waaaaay better-looking than Runescape ones).
You could spend hours just chatting to people, and visiting all the different houses.
(I had mine at Rimmington, as it's pretty easy to get to, and was in a convenient place... But it's been too long for me to remember why it was convenient there.... Probably farming)
So instance housing might actually be good for this game, who knows (saying this as a current home-owner in FF14).