I guess I am also not seeing the problem with moving deeds around between chars as the need arises. If you or someone can explain that it would help me see a bigger picture??
The problem is, it destroys one of the major sales elements of the Architect profession, a whole tree actually. Let's say each account only has 5 harvs, though you and I know, the average is higher. Those 5 harvs are traded and sold on every active account - the "replacement" harvs you hypothesize are few, because most harvs (on this server) are only sold if they are made with the best stuff. Junky harvs made from poor resources won't even sell cheap because people know they can get better for a little extra time grinding. Let's say there are 200 active accounts at any given time - that's 1,000 harvs passing between 200 people and that's just the beginning. As they all add more, the market is flooded. There soon is nobody buying new harvs at all, not even to replace ones that burn, because they can just grab a good quality used one that likely already has some power and maintenance in them.
Secondly, giving access to administration on harvs outside of the account characters means that there will be seas of harvs all over every planet that allows them, almost perpetually. Bob decides he is gonna take a break from the game, so he gives his friend Biff access to his 30 lots, putting harvs down all over the place and setting Biff as admin. As long as Biff doesn't move them, he now controls 30 extra harvs that he'll set to whatever resource is available nearby and keep them running. This happens again and again. The market is then inundated with resources and the landscape covered in machines.
At best, harvester deeds should be tradable as they are, but in perfect world - you would only need to drop them in your primary characters house allowing the other 1 or 2 characters in your account to pick them up. However, as it is, you have to drop them in each characters house (as the house owner) to allow the others access to them. As you said, that means you have to at least drop a house long enough to make the transfer, if you don't want to lose those lots with a static home - which is tedious.