[eru]

Yes, even bonds can be stressful.

But also: an owner occupied house is a single lumpy, undiversified asset. And in many cases it's bought on so much leverage, that its value is bigger than the buyer's entire net-worth.

> Even if your house depreciates, it's still a house! There's even an upside - your rent to the government decreases.

Yes. Though depending on government policies, you can also lose use of your house (or even lose your house). Depending on where you live and how you set up your holdings, investing in international stocks and bond can be more stable.

To summarise: owner occupied housing does make sense for a lot of people. But it's far from being automatically always being the best choice.