I sure you'll think this way, until eventually you grow up and develop some empathy of your own. Then come back and tell us how much you appreciate a world where no man can afford to own his own home, and all homes are owned by banks.

Disclaimer, I am a proud member of the capital class.

Home ownership in the US is over 60%. What should it be? 100%?

Perhaps by "home ownership", you really mean "owned by the bank that holds your mortgage" is at 60%?

Are you arguing that the only true form of home ownership is a fully paid off home? That's a high bar.

If you don't intend to sell antytime soon, that's not si very important