There should be some sort of vehicle designer as well, and maybe the game can integrate new designs in updates to come... Obviously that seems complex, but if the designer could at least design some modifications that'll be okay as well.

If two people are too poor to afford a house in this game, they should be able to team up to buy one. I believe this gives more a real world feel as well as bonding in this game. For some people, it is a dream to live with their friends, so they can live it here, that's what this game is about anyway in my eyes. It doesn't seem like a big change, but it's one that will benefit many.