Housing was never design for personal purchase, it was originally designed for FC only. Personal housing did not come until later in ARR because there were not enough FCs to purchase all houses. Now personally I think the better way to do it was likely to make either FC housing, or personal housing instanced. This would also cause problems, look at EW release where people were AFKing in there houses, you could not get into your house as the inside is instanced, when the recent bid completed people reported issues getting into there houses as well. Ultimately it all goes back to server issues, this game is full of them and it has been holding the game back since ARR and I still to this day do not understand why these have not had major upgrades. EW release the excuse was covid, but these problems existed far before EW.