Yes, because free to play isn't good. When I play a free to play games I actually just subscribe if it's an option because it's less annoying than having to go and buy items and unlocks.
It's strange that you think we're not getting as much content now, an expansion with more scheduled content than any other FFXIV expansion in history. We didn't used to get Chaotic raids for example.
I agree that we lack enough interface or QoL updates, but that's always been the case and even used to be worse. It takes an eternity for them to improve things that tool developers can fix in a day but that isn't a new thing at all.
(They are still working chat bubbles despite having showed pictures of working prototypes nearly a year ago at this point and despite that it works for NPCs, for example)
If there's nothing of value to you, you could temporarily unsubscribe until there is. So if you don't want to pay 120, you could subscribe for 2 months a year and pay a fraction of that.
I hope the housing system will improve someday. But if I was you, I would just do one of these things:
- Join an FC and get an FC room instead. And let the FC house be sort of your house.
- Get an apartment (I do this).
- Settle for Island Sanctuary's outdoor decorating.