Now I know there's been a dozen calls for player housing, and I know it won't be considered for a long time, but I felt like throwing this out there.
Rather than just an instanced house, maybe make a 'street instance' with access to not only a player's house, but also the halls for whatever guilds they are part of. Something to set ESO apart from other MMOs with housing. A guild hall could serve as a place for players to get together, group up in one place, and provide the usual services of a guild. NPCs for the guild's bank, the market, and maybe NPCs that sell items a player could use(tabards, house furnishing with the guild's logo, etc).
What do you guys think?