I could invite my friends to my single instanced house. I don't see how that is any different from a guild only inviting/allowing their guild into the instanced guild housing area?
Seems weird that you'd support guilds being insular but are opposed to individuals being insular.
Answer is simple, open world and community.
Example on Albion Online.. everyone can own a private island and or a guild island at the bank of every city (very not friendly for MMO)
You have thousands of different instance of the same private island in every city.. we have a long list of friend with their islands (most own multiple of them in every city).. very not friendly. (what's the name of your island again? I got hundred in my list..)
The black zone.. u have little rabbit hole (like a mine) entry point to a guild spot. every hole is unique (instanced guild housing) friendly for MMOrpg.. u can make them public or private. .similar as shroud of the avatar village.. u can go on cash shop buy your own village/city/metropolis.. make it public or private and control who build what where.
The idea for a place like malas, would be to make this valley for example owned by a guild.. u need to pay a fee to keep your valley (gold sink)
You could build other different "village" like one orc style, another in brick etc etc across malas and sell them to guild/players to make those HQ.. private or not.. u load the housing inside only when u enter that village, should help on server.
In your case u only want more storage.. they could clearly sell u more cash stuff option for your problem.. personally I did sub an alt account for storage and made a lot of smith/tail for bods on that account.
But yeah the SotA community village is great for open world ROLEPLAY
While something like Fractured Online is great for community PvP actions.
The rabbit hole on albion in the black zone is the lesser worse model.
While the albion city, tESO and NW housing.. is real bad imo for a openworld sandbox niche community game.
They could also just make a register that you could browse via the town cryer, similar to how FFXIV does their "neighborhoods" only, the town cryer would give you as list of houses sorted by player name.
aah, it make sense now.. u coming from a PvE theme park model.
The idea is to allow players who want a keep/castle to get one, without having to get lucky, and pay someone squatting on a location a ridiculous amount of gold. Of course, if you want a keep/castle that is out in the open world, you can still pay the squatters the money.
You still can make that.. example they could add hundreds of entry point example on Malas.. to those instanced zone.. i just don't want them to be unlimited solo castle on the same spot.. find you a couple of people in game if u don't have a guild to buy one of those zone and build something solid together.. u could even decorate the island itself.. pass it in private lock down some items and re-open to public.
Or go big and buy one alone and go private. same result u wanted just better.. just not as cheap and easy.. since we don't want that on a solid sandbox open world MMO.
PS: such system could compete with Pax Dei also. (community housing)