Inheriting your hearthfire instantly for no cost is allowing too much abuse right now.
People spamming cheap mexican labour alts to dig to death, which are instantly replaced saving you resources.
NB & friends spamming alts outside our walls to scout (Killing these over and over has become everyday routine for us recently).
There needs to be a reasonable requirement, whether it waiting 2 days or developing the new character a certain extent before having an option to change hearthfire to old characters.