I thought it would be awesome to have a place to keep my money so I don't always feel like I have to spend it. I'm one of those people where money burns a hole in my pocket.
Also thought it would be awesome to have player owned houses. Something that we as players could use to customize our on piece of Cradle. Why should just guild members get a place to call their own? :P
Honestly, what's with people and owning houses and property? For god sake everyone, we are stranded on a planet with limited resources as well as space. This isn't heaven (or Isora) for your information. I'm not too sure how many players are in the game, but even if there were only 1,000, there would still be a lack of space. Think about it, how big is Haven? How big are the houses behind Vatel and a few other strangers? If I'm not mistaken you could only fit about 70 of those houses in the Bazaar, in haven maybe 100-175. In the arcade.............well I don't know why you would want to have a house there. The last time I checked no knight/stranger had houses underground. So, 175+70=225. That's less than a quarter of the population. Ok, lets say that they did have underground houses, there would still be only 550 homes available.
Next, you suggest "guild houses". Unless you want a house to be able to fit around 30 people then I still doubt you could fit THAT many houses into our tiny little Haven.
Once Spiral HQ expands haven then MAYBE we could have enough space. But I still don't like the idea of homes, we are barely surviving, much less thriving