ESO's my only real entertainment expense. I don't go to movies, or bars, or concerts, and I don't buy DVDs or expensive electronics. So, I pretty much buy whatever I want in ESO.
Not saying you said this, OP, but I've always found it funny that people who spend $100 on a virtual house they can use for years are judged so harshly, but if you go spend $300 on concert tickets for a few hours of entertainment everyone just accepts it as a fun time.
Entertainment is entertainment!
I don't spend crowns to buy homes. Firstly, because there are better things to spend my crowns on. Secondly, because I only buy unfurnished small or medium homes. I only use small and medium homes, and regard furnishing them as part of game play. Small and medium homes can be bought with gold, so why would I spend crowns on them.
My issue is relativity!!
If a Chapter costs €40 how could ZOS possibly justify charging over €100 for a notable home? It beggars belief, it is utterly unjustifiable and this level of greed will ultimately be the ruination of housing if not the game!