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What's the purpose of individual player housing in MMOs? I can come up with three valid reasons:
Am I missing something? I really don't see the point in it. Really, even loot storage could be achieved through some sort of vault/bank system. And private conversations can be done over chat/tells. For me, having that personal space isn't worth my time and effort and resources.
So why do people complain about it not being in games?
The less you expect, the more you'll be surprised. Hopefully, pleasantly so.