Having housing available would definitely be nice, the current landscape is not good at all with the multi-owners, some people owning entire wards to themselves, and the abuse of shell FCs swalowing up any shared private/FC wards.
Probably the biggest issue I have with the housing system in the game is how absolutely hard and expensive it is to even try out the feature, it's a long commitment to something that you might not even want or enjoy.

And that's not even touching the issues with the in-game economy and gil value that shell FCs, gardening plots, and subs cause, effectively being money printers for a few lucky rich players, and inflating the cost of everything else so the other people get screwed over.