[_mxdo]

All of the land is 100% owned, even the land that nobody ever uses. Nobody can use it - zoned off. There are no spots left to find and build a house somewhere. You're also not allowed to set up in a city - that's homelessness. You're not even allowed to plant seeds of food, that's illegal. The only way you are allowed to have a roof over your head or have food is when you pay someone for it, and it's all 100% already owned, you can't just go get it. How much should it cost? Hm, thousands of dollars every 30 days. Or you can get out of that if you pay hundreds of thousands up front for a mortgage and then property tax forever.

[shuntress]

I'm having a hard time following this.

It is definitely not illegal to plant seeds.

[_mxdo]

It is absolutely illegal to plant food on random land. Even on your own land, there is a strict limit to what you can grow, and how much of it.