[whimsicalism]

Yes, there are downsides of the flexibility that renting provides.

So if you feel a need to buy a home, you should be able to do it. But the government should not be propping up unsustainable markets at considerable risk to the rest of us to let you do so - if you can afford a home and get a bank to lend you the money and assume the risk, you should be able to. But I am not sacrificing my ability to afford quality housing to give you government-guaranteed mortgages, it's a massive moral hazard.

If you need the fixed-income security, pay for it.