It is in fact what WoW used to be when WoW was big. A MMORPG that catered to the casual people, no wonder WoW started losing it’s players.
Because some of the problems you listed and stupid and very recent.
Getting a house is hard, yes. It is easy to get an apartment though.
This is a very recent problem and is a result of an, understandabl, unexpected surge of new players. There was no way to foresee the huge amount of players that suddenly swarmed to FFXIV, seeing as FFXIV currently is undergoing its own content draught. Numbers were expected to rise on Endwalker’s release, and there were plans for server upgrades and capacity increase at that time.
However, with the new surge of players these plans have been hastened, however, due to the global situation with covid, it have been hard to get hands on the necessary systems to upgrade servers - Yoshida thoroughly explained the situation.
Speculation, really?
There is no going against the lore, really. Just sensible addition. I mean, really, male Viera tend to live in the outskirts of viera-protected forests, away from the villages, while the females are confined to the villages and nearby forest areas. For what gender exactly would it make most sense to start wandering the world? Exactly, not the females.
As for Hrothgar, there are females, it has a matriarchal society - females exist.
Imagine only giving reskins as in game mounts, while all the unique and far more awesome looking mounts are in the store.
Microtransactions suck regardless, but atleast FFXIV actually rewards you decently for playing the game.
It is not exactly because people “gloss over” the problems. It is just that some people make the problems out to be more than what they are.