Neither systems are good, in my opinion. No one should have to have their sub locked in just to keep their house, and no one should have to settle for a single room apartment to scratch that customization itch. Everyone should have access to the interiors and exteriors of a house of any size. The systems we have now are deeply flawed and don't go far enough to give players what they want. That is my entire point at the end of the day. Other MMOs handle housing like this just fine. FF XIV does not. Largely because most of them didn't design themselves into a corner with wards that need to be added manually and clog up their servers.