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Re:Why Land and Homes Actually Tend to Be Disappointing Inve... by rubiquity on Sunday July 17, 2016 @05:25PM (#12111917)
The problem is that the payment for home ownership is centralized in that your mortgage goes to a select few big banks. A more distributed form of home ownership would be more ideal but likely impossible.
Re:Why Land and Homes Actually Tend to Be Disappointing Inve... by chii on Sunday July 17, 2016 @08:21PM (#12112574)
The same problem exists with business loans.

It's the lack of banking competition, not mortgage.