Agreed it is a huge bag of worms and financial literacy in the form of education is the only meaningful prescription.

Just important to acknowledge our systemic shortcomings rather than frame our situation as one where land lords add any real value to the equation. They profit off of other persons ignorance. Which is fine when that’s your choice and simplicity is valued but when it becomes the default because housing for an entire generation has been over levered and over financialized to the point it’s out of reach for most without a privileged start.

Sorry if my passion plays tone deaf I just can’t drink the business as usual coo-laid at this point 😅