So like in real life you can't get a house in FFXIV but FFXIV isn't real life and there is an obvious solution IT'S.....I-I-Instanced housing..its instance housing, I mean what did you expect?
So I'm going to talk about the pros the cons and what to do with the current system BUT FIRST SOME CAVEATS: I don't know how much time this would take, how much it would cost and what the servers are built like.(the servers could be held together by gummy bears and hopes and dreams for all I know.)
The first and most obvious pro is you can really lean into some of the beautiful zones within FFXIV for example a Yurt in the Azim Steppes, a pirate ship of the Coast of Limsa, an Ishgardian manner, A Garlean Bunker hidden within Garlamald and Amelience's house (She's my wife now Fourchenault) there 100s of possibilities out there. Obviously, only a few at launch but more wonderful and exciting homes could be added as the patches go on.
Secondly, it's a more scalable and efficient way to do housing, no more having to load a whole ward into memory for one person and if required you can add more capacity in the background without the risk of having half-full wards.
Thirdly Everyone can have a house when they want it.
However, there are a few cons one of them being the loss of community and the"neighbourhood feeling" if you will, you can mitigate that to an extent by having public homes being searchable ala BDO. but I do understand it's not quite the same but alas I do feel the pros outweigh this con.
The other con I see is the loss of people's painstaking work however my solution would be a special type of instanced housing that has a housing plot and maybe a scaled-down version of the current wards using assets from them to keep the look, that allows players to transfer their current homes into.
Lastly, let's say they do this what happens to the current system? on the release of instanced housing, you lock the ability to buy houses in the current system and then monitor how fast people are transferring to the new system with a final shut down a few patches later depending on speed. Doing this will most likely save SE money in the long term but would require short-term investment.
Thank you for coming to my Ted Talk.