there is a simple fix but it wont be popular ..

remove the current housing system and simply put a few instanced lots with a yard scattered through major cities !!

that will fix housing straight away .. no more lotto exploiting no more dark web sales no more placard grinding no more lack of server space for all these wards and everyone can buy a lot !!

also if there is a yard and a reasonable size inside there will be plenty of room to design your house using all the same indoor and outdoor furniture ohh and the workshops for fc's !!