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It needs to be significantly easier to buy a first house than a second house. Getting a first mortgage is "easy" until you factor in the "mortgage insurance" scam. Rent seeking should not be such an appealing option to make money. The result is a bunch of scummy landlords, essentially utilizing the poors to "keep down" the other poors through rent exploitation. Basically the "upper middle" class is the gatekeeper preventing lower classes from having social mobility by maximizing rent exploitation. It's a great system because it prevents the real upper classes from having to get their hands dirty.