i say u should be given 2 options, 1. have the team make ur house for you after you pay the in-game money then you get the house put into the game
and you can permanently buy (not like the house) NPCs for merchants or quests (for items) such as a barkeep has some rare items (provided by the host of course) and will give them away for another item (that the host is probably looking for)
and the quest NPCs can also be used for buying items, such as you set the NPC to ask for a certain item and it\'ll give away the value (in trias, pentas, hexas, and circles), such as if it was worth 1 circle and 5 pentas, the NPC will give that much away when the item is given, if the NPC doesnt have that much he gives the item back, appologizes, and tells the player to come back later (hope yall got that cause it was long -_-)
or maybe you can buy player storage (if you lose the house you get most of the money back, or half at least, and you gain whatever your NPCs have on them, and anything you bought (such as furnature, you\'ll gain most of their value back, i suggest 75-90%), and anything that was open to the public (besides NPCs, such as a monster training area or whatever that doesnt profit) is removed completely or can be bought with the house for a set ammount of the original value (i suggest 80%+)
and the second option, 2. you make the house yourself (maybe the devs can suggest an easy to use prog, or provide one maybe), and it wont cost you as much but you should get less options to put into your house (such as only 1 quest NPC, 2-3 NPC merchants, a maximum of 10-30 pieces of furnature, and maybe only 1 player storage, if different sizes a max of the median)
besides less options and provided by yourself and costing less, it should cost you more then a normal house to get the same options as a normal house, and when the house is being made by a player it should be limited to a certain number of floors, and a certain number of rooms for each floor (hallways should count as a hallway and not as a room), and the room size shouldnt be limited, but then again it shouldnt be too big either, and anything designed inside the room shouldnt be judged either
sorry for such a long post but i have lots to say about this subject and anything i suggest about magic >

if anyone agrees to any of this tell me, i\'d like to know how my opinions are felt amongst the PS population
and if u dont like it tell me what u dont like and maybe change it to something you like