It really is inexcusable in 2021 that any MMO is still failing on housing(WoW still hasn't even shown up!). Everquest 2 had apartments and houses throughout all the cities you could just walk up to a door and go into an instanced housing. In EQ2 you can have twenty-five!!!! houses PER character. It came out in 2004.
Since then LotRO made housing districts just like FFXIV did. And have never had the problem of housing not being available. Not even on the largest roleplay servers. If a district got too full, a new one would generate on the fly with a new name for that neighborhood. It came out in 2007. Star Wars Galaxies came out in 2003 with the ability for players to not only build a house wherever the heck they liked on the planet, but could also form into collective villages and become cities with its own spaceport, cantina, guard troops, etc. City of Heroes/Villains developed Superhero and Supervillain bases that you could build from scratch, putting together your own layouts and decorating them as you saw fit. It came out 2004.
We also have more modern games with housing. Wildstar had impecable housing where you could not only put items anywhere you like in 3D space, but could resize objects to tiny tokens or giant structures. SWTOR lets you own housing and slowly build up and expand it over time. GW2 lets you make gigantic guild halls that are more like large outdoor maps you can fly in. You can decorate them to your hearts content. ESO allows housing all over the world and you can buy every single one of them if you like, there is no limit.
This list could go on and on, but the point is: What do all of these games have in common aside from having housing? None of them have/had restrictions like FFXIV. In each and every one of them you are entitled access to that house/guild hall system if you are a player. They aren't full up. They aren't super limited. You just walk up, pay your fee or whatever you have to do and you have your house/hall. Done.
FFXIV has failed hard when it has come to accessibility of housing and I say this as someone who has one.


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