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The US The American Dream of owning a home was to put mortgages on the backs of Americans to fight the Red Scare of the 1920s.
Because people with mortgages don't go on strike or protest.
Drink deep, Canada.
the first time I was told this it changed the way I think about everything, I felt like such a sucker buying into it
Debt has a crazy strong influence on people. David Graeber's book on debt talks about how it has been a major influence on just about every event in history
What if... You couldn't afford to get indebted?
I agree with your control scheme being accurate (tho I tend to extend it to simpler materialistic appetites, "bread and games" style), nowadays the scheme of ownership has changed to fully irrational. And this is destroying the idea of a careful proletariat working their wages towards their mortgages.
I would fully agree on the idea that owning a house is unnecessary in many cases, but for this to work you need affordable rents. And that's where the next crisis is.
I guess short-time, for the ownership class, it's bringing in good money and obedience all the same, since making rent has become a stressful necessity, unlike owning your own roof.