ignoring the amount of fraudulent FCs made seconds after buying a 2nd, 3rd home which is so apparent you can search through the plots and see hundreds of plots owned by barley alive FC or FCs that only have 0/1 members and funny enough are neighbors with the same person which is more common than I thought.
I wouldve gone with Fcs at a certain age and i do agree the housing purchase method is still bad, but FC having this privilege is worse