Honestly with the skill training req lift, housing has zero purpose other than decoration. That a gold fee is still required monthly just to be able to customize something that has become mostly decorated through gachapon sales feels kind of... Not nice. Either the fee should be a one time thing (and upped to maybe a 3-5m payment) or it should be removed entirely as it serves no purpose other than to be a (bad) gold sink.
As a side note, 'outdoor' homestead props like walls and flooring should also be made available for housing.