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Yeah, I wouldn't like to come back to the game and see that items and gold are missing. Just my opinion haha
To fix the housing idea, there could be a pre-set number of houses, say 150 on random islands on a particular server. You would go to the housing broker (He wanders from island to island. But, you get a quest at level 15-20 to get a map to find this guy. Once the map is in your inventory, you can choose to track him with the ray of light. Once you find him, he tells you of the many houses in the Caribbean, complete with a list of purchased and unpurchased houses. You can choose to travel to each house before purchase, just to make sure you like it. Sizes with vary depending on your level and how much you're willing to pay for it.
Also, charging you every day for your house would be a little much. Maybe once a week you'd have to pay up a mortgage. For instance... You purchase a large house (sizes can come in small, medium, large, and mansion just for example.) and it costs 800,000 gold. Now,you can choose to spend however much as a down payment, with the lowest being, say, 5,000 gold. Now, throughout your pirating career you have to pay at least 500 gold a week until you pay off your house. Once your house is paid off, you're home free!
Don't forget about furniture though, there will be a plethera of furniture. This could require a trading system. You can loot some furniture from ships and some cool trophies and stuff from buried treasure, all to put in your house. There would also be a salesman/woman out there that sells different paints for the walls and floor, for the customized look. You can buy furniture as well, from these salesman.
So, finishing your house would be a huge accomplishment in your pirate life. Something to work up to, something that won't be done easily. Maybe even a gold cap raise would come out of this, who knows.
Hope you like my ideas, they're pretty logical and would create for a more social and fun atmosphere. Like, "Hey, check out the table I just looted off of a Juggernaut." or "I'm having a house party, all are welcome!" Of course there would be settings on who can enter, just like a ship, haha.
Fair winds mates!
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