So there are 24 wards. Wards 1 through 18 are fc. According to you there are then 5 wards for personal. Who gets the other one?

Also, on a more serious note, they said in their live letter they wanted to angle it more toward FC's since housing was initially designed for FC's. On the average server, there are approximately 6500 FC's. Of those, about 4000 don't already have a house and still qualify. Even with 18 wards, that is not enough for even half of those to get a house.

There simply isn't enough housing for everyone to have a house. Not even for most. Not even for half.