[Sawrock]

I'd prefer player houses myself in such a way that actually ties with the economy of the world. Make at least one player-run inn per city so that renting rooms can be a thing, while there's limited actual player houses that the governments of each nation sells to players. Yes, this would cause money to funnel towards those who run nations, but hopefully that can be put towards crafting equipment, making supplies, etc.

With the expectation that having a house is something you need to be decently active for- not like a login timer like G6, but more just you can't be juggling alts upon alts to have a house in every country, and "losing" your house isn't the end of the world.

With a "public use" house that everyone can claim lies a problem- the Gertrude's House problem. Roleplaying a random house is yours gets extremely awkward when use is in high demand.