That's the thing about housing. It's not about affordability, it's about AVAILABILITY. You can have 60m and not be able to get a house on hyperion because it's completely utterly sold out. The only thing you can do is buy a large plot, and most people don't WANT a big plot for personal housing.
For many it's fun and cool to decorate your own home, and its a little place to call your own. You won't be playing with it every day, but sometimes new things come out or you feel like redecorating. It's plain old content, content that's locked out for many people.
It may not be a big deal to you but many people were looking forward to finally getting into gardening, have chocobo stables, color their chocobos, etc. You're missing the fact that many small FCs and latecomers to the games DON'T HAVE HOUSES. There's a lot of people in small tiny FCs of real life friends that just can't get a plot and don't have enough money for larges, and plots are not relinquished or abandoned even if nobody in the FC plays anymore.
Not to mention 99% of the plots filled out months ago and even the mediums, at their full retail price, are mostly gone from the new wards. The only way you can get a house right now is if you join a big FC, and then you won't get to use the gardens or move anything around since you're a lowly member that never contributed. Nevermind the fact that if you have millions of gil, you are likely the exception and not the rule no matter how simple you think it is to make gil.
If you have a house, you are the exception and not the rule.
And Yoshi P outright lied about the housing, lets not sugar coat it. He said:
1) Housing will be completely separate from the FC houses and be different
2) Prices will be much lower
Neither of which are true and cannot be interpreted in any other way.