What if the houses weren't cheap (3m, 20m, and 50m are NOTHING) and that you really need to work on them to make them truly valuable.
I'm thinking really high prices like:
Small - 150 mil
Medium - 350 mil
Large - 650 mil
I doubt the houses will sell out with these prices. You can have people really grind for gil and get that sunk. People will really have to work on a LONG-TERM ENDGAME OPTIONAL goal. Those numbers seem crazy but they are really not. If you play long enough, these aren't that much.
Don't wanna work for ridiculous gil? Then no house for you.
Housing will no longer be exclusive to the lucky, but to those willing to work for it and had the time to accumulate wealth.
Just a thought. Since they really wanted it to be exclusive.
I had this idea because I felt so defeated losing in lottery because I have over hundred million in gils (accumulated over time) but unable to spend it.