It's not just about being unable. They never wanted housing to be accessible to everyone in the first place. The entire thing was designed with limited access to start with. The limited nature of housing make it a status symbols, an item to strive for, and gives the task a sense of accomplishment. As a good proof of success, despite the horrible placard spamming mechanic, people are ecstatic when they finally get theirs. There are very few people who finally get a house and then just flip from being pissed off at the process.
Could it be made better? sure but that's not what is being discussed here.
Equally, could they perhaps change their mind? Sure, but they haven't shown any sign of wanting to (as they keep the available plots at around 30-50% of server population consistently), and even if they did, at this point, it would involve a major overhaul of the housing system that is very unlikely to be lucrative for them.
The FC only timers were implemented at the request of the players, and it makes sense to give FCs priority as it is an important feature for them (more so than for individuals)
Just do it like everyone else and spend time at it. You'll get your house eventually like every last one of the current owners. If you just want to garden then keep asking for small gardening plots in apartments or something easier for them to implement.