this post was submitted on 03 Feb 2026
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A Boring Dystopia
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Why do you think it's been made so difficult to own a home? Long as you're paying rent, you're a cash cow.
Also individual owners have become a liability for the insurance entities that guarantee the mortgages for the banks. Wages:COL has gotten so bad that it's basically the sub-prime mortgage crisis but for people who actually paid down payments.
They built the system on property going up forever with only a small % defaulting. So they've gotta keep enough of us out of the market to ensure they can keep cashflowing their ponzi scheme.
LOL. Try owning a house. The mortgage is just the start of costs.
People always say this as if renting isn’t the exact same way but without the benefit of equity.
Whatever it is you’re paying for when it comes to your house, (Mortage, taxes, insurance, roof repairs, etc) the renter is also paying. Landlords do not “eat” any of the costs associated with owning a house. The renters pay for everything through rent.
I say this all the time as some who has bought/sold two houses and is currently a renter.
It IS really nice having the "forced savings" of buying a house, and knowing that if you pay off enough and SHTF you can always sell for a chunk of change, but holy shit, people VASTLY underestimate the maintenance costs.
Most people think: "Haha, I would rather have a $10K roof replacement every 20 years" or "I could handle a $1K water heater NBD", but its not that. At all.
We had a pipe bust underneath our house that home insurance wouldn't cover because it didn't directly affect the house itself, and that was an unexpected $30K hit and digging under our home in multiple locations. People like to tout the foundation/roof being good, but I'm telling everyone, dont sleep on the hydrostatic leak tests. And if I ever buy a house again, that is something I'll get done like every other year, because our pipe burst after we had owned the home for over 10 years.
Right now though, I am HAPPY knowing that the only "emergency" I'd have to cover would be vehicle issues, and my savings are going to largely stay my savings.
Building codes have changed a lot in the past 50ish years. Besides being cheaper to buy, houses also required more easily attainable tools/skills to build/maintain.
For real.
$2800/m total with insurance, taxes.
$400 of that goes to principal. The rest is burnt.
120 year old house.
Math is hard.
Much easier to just be ignorantly outraged about how anyone who owns a home is an evil leech on society, or something.
it couldn't be that some people are shitheads and would remain shitheads regardless of they own or rent or are landlords. and that most people are just trying to get buy best they can and dealing with a complex housing system and often sometimes their self-interest in in conflict with other people's self interest.
Oh no my free money machine sometimes needs some of the free money it makes me so I don't get to keep all of it
WHY AREN'T YOU PIECE OF SHIT PEASANTS CRYING FOR ME???
houses aren't free money machines. they are very costly to own. but you are clearly ignorant of the responsibilities of home ownership.
If houses were costly to own (and rent out), landlords wouldn't exist.
It is quite literally a free money machine that rewards you with money for simply having money to begin with. So much so that the term “rent seeking” was popularized to refer to things outside of real estate that are designed to extract wealth from other people without providing any actual value in return.
Whether or not I'm ignorant of a thing I literally just commented on, you're pressing a point as if it weren't literally just commented on.
It's because you've developed such a sickening degree of entitlement you think you can just say shit. When you become a parasite you become an objectively piece of shit person, and it's not just limited to your rent seeking. It infects your whole personality.
Behold.
pretty much. the person you are replying to is entirely delusional and has decided 'money is evil' so therefore they shouldn't ever have to pay anyone for anything.
And yet I wonder if they go into the grocery store and steal food... probably not. it's almost as if they are just rhetorically grandstanding to feel superior to us 'idiots' who think money isn't 'evil'.