You’re steering the discussion elsewhere but to answer your question, affordable housing can be achieved through government subsidies and yes, that would includes free housing. If you’re worried about freeloaders the subsidies can be contribution based. A part of your income goes the universal housing fund and with that fund housing projects can be either partially or fully subsidized.
Well the discussion moved yes - did I steer it? not intentionally. I would agree government housing is needed or UBI. But back to the original issue: that still doesn’t mean landlords are necessarily evil. It’s an important role and regulated and with proper controls a very valuable one.
Many people cants get a mortgage as they cannot afford a down payment and/or they are too much of a credit risk for the bank. So they cannot buy a house. A landlord buys the house using their own down payment and assumes the risk and then provides an arrangement where people who otherwise could not get somewhere to live, now can rent on a monthly basis. Without the landlord, people who could not buy a place to live in would have to live on the streets. So the landlord plays an important roll unless you’re ok with poorer people having to live on the streets.
You just pretty much described them as a necessary evil and hardly a benefit to the people who can’t afford a house. They will have a roof over their head but that comes at the cost of accumulating wealth as a noticeable part goes to paying for the rent, wealth that could go towards buying a home. I’m not going to pat landlords on the back for essentially exploiting people who are already having it rough.
You’re steering the discussion elsewhere but to answer your question, affordable housing can be achieved through government subsidies and yes, that would includes free housing. If you’re worried about freeloaders the subsidies can be contribution based. A part of your income goes the universal housing fund and with that fund housing projects can be either partially or fully subsidized.
Well the discussion moved yes - did I steer it? not intentionally. I would agree government housing is needed or UBI. But back to the original issue: that still doesn’t mean landlords are necessarily evil. It’s an important role and regulated and with proper controls a very valuable one.
You’ve yet to explain how that’s an important role.
Many people cants get a mortgage as they cannot afford a down payment and/or they are too much of a credit risk for the bank. So they cannot buy a house. A landlord buys the house using their own down payment and assumes the risk and then provides an arrangement where people who otherwise could not get somewhere to live, now can rent on a monthly basis. Without the landlord, people who could not buy a place to live in would have to live on the streets. So the landlord plays an important roll unless you’re ok with poorer people having to live on the streets.
You just pretty much described them as a necessary evil and hardly a benefit to the people who can’t afford a house. They will have a roof over their head but that comes at the cost of accumulating wealth as a noticeable part goes to paying for the rent, wealth that could go towards buying a home. I’m not going to pat landlords on the back for essentially exploiting people who are already having it rough.