I real though the OPs link and that thread is two years old but theres some very interesting things in there.



"
Just to clarify any confusion about the differences between private rooms (like the inns in 1.21) and personal housing, I wanted to share a few details on the two. Personal housing and inns are completely separate entities and inns will not turn into housing in the future.

In the housing that is planned for 2.0, players will be able to customize many aspects of their housing including furniture, but it will be difficult for players to be able to own a home. Due to the difficulty of obtaining a house, we will be preparing inns as private areas for players to use until they own their own home.

We will be providing more details about inns soon, so hang on a bit for that announcement. "



2 years ago they announced that housing would be difficult to get. Somebody came in with a comment that it might cost hundreds of millions of gil. They were probably joking!