Be glad you don't have one tbh. Housing is an anchor. Keeps a guaranteed number of players subbed and logging in even when there's nothing being added to the game for several months at a time.
To change this system for the better, we'd need an instanced option followed by the complete removal of the demolition system. Demolition is currently a necessary evil because of a manufactured scarcity. Remove that, and you can remove demolition. I was hopeful that island sanctuary, with its instanced front yard setup, would provide the solution necessary for instanced housing as well. But now that Dawntrail's showing a 7-8 month wait between 6.5 and its own release, I feel like they'll keep demolition around a little longer just to keep revenue coming in from people who don't want to play anymore but don't want to quit and lose their home.