I think it's awesome that FFXIV will see the addition of a Lottery system for Housing. However, let's not pretend that it immediately fixes everything, either. I would like to propose a system that is FAIRLY simple, but I think would add even more flexibility, and would further reduce an element of frustration alongside a "raffle/lottery system".
The idea is simple; you add a "Property Broker" NPC to every housing area. If you own a plot, you can list it "for sale" or "for trade". If you sell your plot, the Broker automatically takes a percentage of the proceeds (say 10%?), which functions as a gold-sink.
If you wish to TRADE your plot, however, perhaps there is a fee for each player (which can be negotiated for one player to pay the fee for both properties). This is a less substantial gold-sink.
The beauty here is that, even if you already own a home, over time you can coordinate with your friends and/or family, and eventually try to get in the same Ward as one another! Even as much as I LOVE my beachfront pad in The Mist, I would likely be willing to trade it for a house next to one of my friends.
I would also add one more feature:
"Accepting (or Not Accepting) Offers"
When you click on your Placard, you would see an option to toggle whether or not you are "Accepting Offers". When toggled-on, players could click on your placard as submit an offer, to either buy or trade-for your plot. My thinking is you would receive notification of that via in-game Mail.
Similar to above, this would allow players to have a little more "control" in trying to get certain spots. And for perfectionists, like myself, it might even allow me to work towards getting a house on Ward 1, by "Offering" my current plot and some additional gil, for the exact same plot but on Ward 1.
Let's face it; players are ALWAYS going to look for ways to "purchase" houses. It's one of the reasons I think ONLY "Personal" housing should exist, and Free Companies should only "flag" a member's house as "the FC house", rather than allowing FC leader to essentially own "two houses at the same time".
By handling all of this stuff in-game, implementing a moderate gold-sink, and also giving existing home-owners a means of "moving up in the world", I think it would just create a much more pleasant environment.
By all means, keep things restrictive *at first* when Ishgard housing arrives. But again, it would be phenomenal if, as a player, I had a little more agency is WHERE my house was, versus where I would LIKE it to be.