However it is equally a double standard to say that one character doesn't even have access to his own home just because he doesn't pay for the stuff in it. Especially when that character is the primary tech guy and does use the tech.
Like I said, the limit should be to the home, where the character physically lives. If the character happens to live on a team base then so much the better for them. Thus it only limits each character to their own abilities and not who they know.
If johnny Storm has prep, does he get kicked out of the Baxter building just because he didn't actually invent the tech? I would say no. He would probably fry himself with some of reed's stuff if he tried to use it so the prep is less useful.