So, I know they want housing to be visible by everybody, but some people frankly don't care and would be perfectly fine with their housing being instanced and invite-only, and in fact, there are so many things that could be done with this, that it would open up a lot of doors.
Keep the current housing system to be sure, it's neat that there's non-instanced housing, but it's just too darn hard to get a house with the myriad of problems going on.
But for those players (like myself) who don't mind if their house is instanced, giving us optional instanced housing would be quite nice.
I know, I know, there are apartments and FC quarters, but those are tiny rooms compared to the mansions, or heck even a small house which is twice the size of an apartment without even considering the yard outside.
How this would work, is quite simple -- there could be an NPC standing near the entrance to the current housing districts that whisks players away to their own instanced housing, and this would be a single house near the current housing district in some sort of suburb or rural area, like a cottage in the woods near the Lavender Beds, or a house on the outskirts of the Goblet, or what-not. The player talks to the NPC and they get placed into an instance and the best thing about this is that the instance itself could be customizable (maybe like 2-3 different ones to choose from).
The player could invite anybody they want to see the place just like how apartments work, but at least they'd still have full access to a yard and other such things unlike how apartments work.
Maybe then those of us who just can't find a house, can maybe finally get one.