Get rid of personal housing, or make it instanced. IMO it is too much of a niche feature to be denying players the experience of the housing system. Since FC housing offers it to multiple players it is more viable. Also give more incentives for people to use the houses. Buffs to crafting when in a certain area, or the accumulation of resting xp while still online (faster rate than offline). Getting people to congregate in a single location encourages social interaction which has already been proven to increase overall enjoyment of the game.