Don't care much about the Housing.... But player run shops would be nice.... Not sure just how they would work?? If there maybe would have to be some type of Tax on the sales or not???
Maybe everytime you open up your stall it costs some silver??
An entire "Player" city would be pretty awesome. Housing District, Guild District, Market District, but all run mostly by players.
I think having little villages with 10 or more player houses and a few npc dotted around would be cool. Be cool if you could save up and buy a plot/house in the village, choose colour of the room and design of the house. There could be like a portal which leads to these little villages