[bombcar]

Because in the USA the deck is stacked so hard toward home ownership that it's completely batshit.

Nothing else will let you take a government-protected 30 year fixed rate loan at rates barely above what the US government itself pays, that you can pay off anytime and cannot be called, leveraged to 80% or more.

And then the loans are often non-recourse, and the asset protected in bankruptcy.

https://johntreed.com/collections/real-estate-investment/pro... has even more ways that the government is fighting hard to force you to accept leveraged appreciation.