In the 23rd century if you get a big house, you gave to clean it yourself.
In the 24th century, you can have a holo butler with a full staff.
I wouldn't be surprised if the Synth Ban included holo-deck characters. A lot of fans seem to just dismiss the fact Rios might be breaking what he considers a stupid law.
But Star Trek has long been iffy on automation.
Also, in real life, plenty of rich people live in suites. Very nice places but not huge ones.