I know i can't be the only one here who thinks that.
Given how little functionality there is to the housing system, WHY are they so expensive? Don't get me wrong, some look absolutely amazing, even if the insides don't seem to line up right with the outsides, but still... That's a lot of money for a lot of dead space.
I think there would be a lot more usage for these places with a little bit of work. Letting the store bought merchant and banker be used as decorations is nice, but it would sure be a lot cooler if they let you repair and use the guild bank, when set as decorations. Having harvestable nodes would be nice, for a daily character or account freebie like the hirelings. Allowing guild mates to place their items down would be nice, removing those decorations if said member is removed from the guild. Sleeping or eating animations on certain areas could easily be used to give temporary boosts like potions and meals. Getting a fast travel point INSIDE would be nice, though those haven't been too far from the outside of the homes, luckily.
Any more guild functionality would be nice, but aside from minor additions, i have no clue what would be great to add on to that part.
As a personal note, i would love to have more thematic space in said houses. Hidden passages and storage areas, being able to get to clear unused areas due to invisible walls, house specific animations and interactions. There are a lot of additional things that could easily be added to this system to make them more worth while (though they're still WAAAY to expensive). I would even love to see something like Swotor has, where you can place NPC's to help fill out the empty space, making it feel more like a thriving area.
The Psijic skull and new Caldwell portal are great steps in that direction.