If I had an Apple that you want and I sold it to you but you didn’t eat the apple and it never got spoiled, I could sell the apple to someone else if you didn’t finish payment. You are just one step in a series of many many re-sales of the same house. The house is owned by the banks. They just change which bank is on the title after your temporary ownership. You see, you have this funny thing we all humans have…limited shelve life. Banks don’t have that. They can last for as long as many generations of people. So long as the financials work, they can stay afloat. Not you. You die, your kids die, their kids die. People tend to not stick around the same house forever. So every interchange between you and the bank, the bank always wins. You always lose to inflation. The bank always wins because a house always is worth what people are willing to pay for a house…it rides inflation.