For the first part, yee lol. I would only see it as a win if FFXIV gave us a sort of monthly crowns system. Naturally they don't feel they need to do so they don't.. XD.... But it's what I've been suggesting (hopefully they change their mind), in some sort of essence, for a while with the veteran reward system. I saw their original system was going to cause issues where they might award at 5 years this awesome item but then someone new (late join to the game) is going to be like "this game is going to be massively outdated in 5 years and I would love to have it before then..".. so I was trying to push SE towards that concept where you could purchase these cool new items or if you didn't want the one they release you could pick something else instead (naturally the rate of tokens being not so much to make the cash shop useless for SE but also not so little that a player is like "great it'll still take me 5 years to get that item" lol).
As for the lootbox thing I brought them up simply because SturmChurro did. I did a dual response so I can see how you might think I suggested that on your post, but I was replying to both at the same time since I felt they related enough.
Finally on housing yeah.. said many many years ago but ultimately the /only/ solution to FFXIV's housing problems will be empowering / creating a different house system. Whether that be apartments that can upgrade into instanced house spaces, or using FFXIV' ShB's lore like in that one special zone... to create a story moment that unlocks personal instanced (powerful) housing, whatever. If this was the first game to have housing it might sound reasonable to be like "that's not technologically possible" but we can SEE other games not only let you have one house but multiple personal houses, without limit for how many players play the game ("it just works" - Todd Howard).
We know it's a thing that can be overcome. So it's far less easy to be like "yeh oh well".
But their current system will only keep causing problems, for it's entire life span. You add more houses, the neighborhoods die, you add enough so it's 1:1 for each player then it means some players can never get X size or Y Theme, neighborhoods still dying, you don't add so many so the neighborhoods are better (perhaps they cost more too).. people can't get houses then, houses are limited so you need to take them away from players if they dont play (hold players hostage, and discourage players to return if they lost something they cared about), have to ensure reselling isn't too easy else houses will sell for 500x they cost from SE because they've a market issue (so now you've players standing at placards doing some of the worst soul crushing gameplay I've heard, praying they can get a house.. for hours.. doing actions that are just like a bot would have to do). Honestly if they wanted "THIS" system they should have kept players out of it and made it cost even more than it used to... but of course I feel that'd be silly and housing should be more attainable and an experience for all (or let's say they did go that route of only for FC, then it should be an experience for all FC (which it's often not) like you might point at GW2 in that sense where each "fc" gets a guild zone).
There will always be that "this system is shooting itself and all the players right in the foot and the face at the same time". It's why, even if FFXIV might never escape this system, that I'm like "I hope to never see this one system again, ever".