Other guys who thought of this idea, I give you credit, but here's my version.
The houses wouldn't be scattered all over a town, it would get confusing for other players. There would be a little button that says "Go Home" and it leads you to your house. You can put chairs, beds, and background furnitures down, and you can invite friends. There would also be a small yard, and you can release your pets there when you can't care for them at the time. And, you would need to buy houses in the Cash Shop, for like, 30,000 NX. Maybe. 
I'm not stealing ideas. It's just my version of the idea. Don't get mad at me...