this post was submitted on 03 Feb 2026
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A Boring Dystopia
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This is completely ignorant of the fact that landlords can get insurance for those things and often dont have to pay anything at all. And when they do have to pay themselves, they will pay the minimum amount possible to maximize their profits often resulting in degrading housing that people living in suffer the consequences for.
Housing is a human right. Capitalism commits violence against the people by denying them shelter. It's a crime against humanity. Landlords exist only to profit off of this system. By your own exact definition all homeowners are the same point of risk mitigation, and therefore all renters would also be the same point of risk mitigation. Landlords have inserted themselves as a middle man to steal the labor of the working class. They profit off of the venture. Thats the whole point of them doing it.
They still have to pay insurance to get insurance. And I'm not sure you can get insurance against the roof getting old (not in my area anyway). When the roof is too old and needs replacing, you do it out of pocket/bank loan. Complete roof replacement are not so often (depending on material), so you can (and should) as a home owner save up to this.
Sure, but half the income of your tenants that you steal from them every month supplies you with more than enough extra money to make such a thing a minor expenditure in the long run.
You've got this upside-down. The existence of the insurance industry in a capitalist system is proof that risk is a thing that can be bought, sold, traded, banked and spent. If there was no financial cost to risk, then there would be no market for insurance to mitigate that risk.
The landlord gives up some income in order to mitigate risk, and most of the time, only some of that risk. I have yet to see or hear of an insurance policy that would basically cut a check for 100% of an insured item's value unconditionally. If it did exist, it would probably be more expensive than the object itself.
As opposed to the tenants just getting rid of the landlord, buying their own insurance, and covering costs collectively. Thereby entirely eliminating the landlord and they can keep their wages to themselves.
Good luck finding 30 people who are willing to pool together 6 million to buy/build an apartment complex and live together.
I mean co-ops can happen, but the majority of time when something like that happens, it's actually a cult.