totally. one of the justifications i can't stand is "some people don't want to own". absolutely bullshit. everybody wants to own. owning a home is so much more stable for the occupant and builds equity. "but what if you have to move"? they would rent it out or sell it and cash out their equity. the reasons that would be a pain are due to the way we set up mortgaging, titling, and homeownership, not because those are immutable facts of nature. closing costs, inspections, agent fees, insurance, etc are all part of the predatory industries that feed around the edges of these massive transactions where people just accept the extra bullshit because the process takes so long and involves so much paperwork and third party b.s.

if all of that was handled by the state including listings and 0% financing (i.e. cuba), and nobody could hoard housing, swapping/trading could be the default and renting would be the exception.