I think there should be a /c command or something that allows Members/leaders of factions to 'give permission' for a PC to rest in that spot for one time, similar to the inns. This can allow another form of commerce, as well as avoid annoying things like bringing someone to a bed only to have them need to run somewhere else so they can rest, even though ICly there is a bed right there, and they certainly have permission to use it.
Or just removing the "need permission" for some faction areas, since because if you are there, chances are damn good you have permission, since you need to alert a DM before unauthorized use of faction keys and such anyways, they will know if you are using it without permission -.-
But yeah. It's annoying When you say, "Hey yeah, give me a couple of gold, we got some beds over here" and then OOCly, they can't rest. >.<