Shell FCs are a bigger problem than we think...

[Almagnus1]

That is fair but if housing is a finite supply and we buy into the premise that Shell FC's are a problem shouldn't we try to maximize the use per plot to best of our ability to make the most out of each plot of land.

That sounds good on paper, but in practice most members in FCs don't have access to decorations (much less gardening or the workshop) so to get them involved in housing they really need their own house. It really boils down to having your play experience gated by someone else, or being able to do whatever you want to with the property without having to get someone else's approval.