there are too many people that want private SINGLE houses. the current set up will most likely NEVER be able to provide them with one.
What is probably the theory is that all these people that want housing should create FC's and SHARE housing. The more people that band together the more people that can obtain "housing" for themselves when FC housing is acquired.
BUT the intrinsically selfish nature of people dictates that "I am me and I want my own house and I want to own it alone so I have control" is what most people complain about when there is not enough "private" housing available.