Lots of people like the idea of a pentalty for losing a ship. If player housing was installing customizable parts of your ship, 10 forward, engineering, and crew quarters, and such. Then when you get destroyed to many times, those sections could have hanging beams and wires, and sparking burned up consoles. Maybe even half the room venting to space or something.
It would be a way to add a DP that would not be game play issue, yet would still be a DP for anyone that wanted some type of housing, and it would add to a money sink to have repairs.
And it would make sense.
Maybe only for pve, although damage in engineering that would happen last could also effect ship effectiveness so housing would have added capability of adding to time that cumulative ship loss damage had an effect on ship performance requiring repair.