1.If it was a newly built settlement, most of the housing would be built more or less equally. Larger families would get bigger houses. You could have the choice of a rural or urban house (though the number of available rural housing units would be strictly limited. It is possible that people with more important skills could qualify for rural houses, as opposed to urban ones. 2.The only difference is the basic needs in life would be guaranteed. The reason I thought of the credit system was because some people are more skilled than others.