If they can't trade, use a retainer, sell on the mb, use mail, make purchases on the shop, it might be a bit harder to buy a house. They might be able to get an apartment, 500k. They can't join an FC so they can't buy a room there for 300k. They might gain the money from the MSQ, but with only vendoring items and not being able to sell stuff, wouldn't that take them a lot longer to even get the gil for it? I'm not even sure if they can be added as a tenant to play with decorating in a friends place?

I think that them adding wards was to help with the already stressed out plot camping, and with additional players coming to the game fully (purchased and subbed), there will be even more demand for housing than there is now. I have seen sprouts gaining a house though, but they weren't a trial.