I like your idea, but I don't really like the idea of housing at all.. Just reminds me of other games. I'd rather just hack and slash through dungeons and PvP. On the other hand, I'd love to have a place to chill with all my friends without beggars etc. Like the guild hall is a great idea, but I'm not in a guild. Your idea is really complex, and to have something developed at a large scale would be an immense undertaking. I feel like people will just exploit this as a way to show off their friends and money. I like Kujen's idea, but I also like how you thought of being able to pick who you want in your towne (friends, guildies, etc). Overall, nice.