Agreed Munba. I also really like the original post, I'd love to spend the time improving it for such useful purposes, as well as an area to call my own within Eorzea. Hopefully we hear more on housing in the near future - some kind of personal space is common in most MMOs outside World of Warcraft.
*Edit* Found my keyboard and plugged into my PS3, so that I could give a more proper response, considering you have obviously put a lot of time and thought into that original post, and I'd love to see something like it in the game.
One of the things that I do believe is truly missing is the housing - in my first MMO, Star Wars Galaxies the purchase of your first house was only matched by the purchase of your first vehicle - generally you'd have the slowest vehicle and smallest house, but it was something of your own in the game, your own personal space that would not be identical to others, no matter the best loot or class of the day, that was your first sign of having made something of yourself in the game (If you don't know how it used to play, I wont go into it - it isn't important) particularly since you also got to place it almost anywhere in the game world you chose.
Add to this the ability to buy crafting machines (very similiar to the skills you talk of, like the ones you can receive from NPC in guilds currently) and let others come into your house, it was great. I remember at one point I was having graphical issues that I didn't know how to solve, though inside my home was fine, and all sorts of folks turned up to chat, sitting in the chairs, having a blether - it felt much more natural (and private) than standing around in a city. It was also possible to set up machines/assistants in your home with personalised lines to sell your goods for you. It was really cool searching on the Bazaar for an item and seeing it listed for sale on, for example, Naboo at co-ords X,Y then heading out there to find someones home.
It really makes you feel like the world persists, even when you are not there, rather than things being stagnant as theme parks can often times feel. To be honest, thats one of my main draws to FFXIV at the moment as well. Knowing that if you open your home to the public that people could make use of your facilities (perhaps for a small charge, ohohohoh!) would be great, or even just so they could pet your chocobo :P
As you mention, Minecraft and the Sims are hugely popular games and as of the moment FFXIV doesn't do a particularly bad job of catering to various types of gamer - I'm not much of a crafter, and tired of fighting in games, but I love gathering and knowing the things I gather go on to make further products in the future - I also remember people in Star Wars Galaxy who never picked up a weapon in their life, subsisting on crafting and creating amazing homes. The amount of entertainment such ability adds can never be underestimated, and I know I'd personally love to be involved in gathering the raw materials needed for players to build such things, and know that we were making another player happy in their virtual home.
Anyway, I love your idea, and definitely hope we see something with even 1/5th of the depth come their (hopefully) eventual inclusion.