What, in your opinion, would it take for housing to be acceptable in FFXIV?

My personal opinion is that most servers are there. Some of the high pop ones aren't, but most are. I'll elaborate.

Every FC can get a house. Maybe not a medium or large, but a house. Having even a small house gives you access to the workshop, aetherial wheels, and a place for people to apply in you're not online. It also gives members a place to congregate and to make FC rooms. The jump in quality and features from no house to small house is far bigger than small to medium or even small to large. Every FC needs a house to be able to access all of the features of getting an FC.

Every player has some kind of personalized space. This is accomplished with apartments. Houses were originally FC only things, and FCs should be given priority.

Please remember that this is what I consider the minimum, not the ideal. Ideally, every player and FC would have whatever size in whatever zone they want, and I would support an instancing system if it allowed that. But right now, housing in FFXIV gets a barely passing grade.