You could get rid of housing being a means for landlords to profit from and hold housing in a usufruct property relation, and/or in common. Building and maintaining housing can be managed by the community (or be payed for by the community).
In a capitalist system, the government could print the money to give out a loan and destroy that money once the loan gets payed back to soften inflation.
But ideally, building housing shouldn’t be done for profit, either. But I guess that would require capitalism to be abolished. Which would be - again - ideal.
Who takes out this loan? The person who wants to live in the home? What if they can’t afford to pay it back? Isn’t paying interest on the loan the same as paying rent, except now you’re stuck without being able to move, and no one else is there to fix your roof when it needs it?
If a co-op takes the loan, aren’t they just becoming a landlord? And who does the work to organize it - are they paid? Isn’t that just like a landlord taking profit?
If you look at the government as just a collective of the people, then there’s no magical entity ‘eating the risk’ - it just means the people get screwed over and/or someone doesn’t get paid for their work.
Yes, you can use a handyman to fix your roof, but you have to pay them. And if you can’t afford to, you what - take more loan from the government which endlessly prints money?
deleted by creator
That’s true. Let’s fix that.
And still: Do you pay 30 to 50% of your income in your own home for that?
deleted by creator
How to ‘fix’ that? Someone has to do the work to build and maintain housing? Should they do it for free?
You could get rid of housing being a means for landlords to profit from and hold housing in a usufruct property relation, and/or in common. Building and maintaining housing can be managed by the community (or be payed for by the community).
Who pays the upfront costs? Big taxes?
In a capitalist system, the government could print the money to give out a loan and destroy that money once the loan gets payed back to soften inflation.
But ideally, building housing shouldn’t be done for profit, either. But I guess that would require capitalism to be abolished. Which would be - again - ideal.
Who takes out this loan? The person who wants to live in the home? What if they can’t afford to pay it back? Isn’t paying interest on the loan the same as paying rent, except now you’re stuck without being able to move, and no one else is there to fix your roof when it needs it?
Yup. Or coops.
What if someone can’t afford rent? I’d rather see the government eat the risk than see people go homeless.
No, because if you pay rent, your rent becomes someone else’s capital. If you pay off the debt, you invest in your own property.
Who says you can’t transfer the home to someone who buys in? That’s an advantage of coops.
Landlords usually don’t do that. They hire handymen to do this, so why can’t that be done by the person who lives there?
If a co-op takes the loan, aren’t they just becoming a landlord? And who does the work to organize it - are they paid? Isn’t that just like a landlord taking profit?
If you look at the government as just a collective of the people, then there’s no magical entity ‘eating the risk’ - it just means the people get screwed over and/or someone doesn’t get paid for their work.
Yes, you can use a handyman to fix your roof, but you have to pay them. And if you can’t afford to, you what - take more loan from the government which endlessly prints money?
dude, people like this don’t think those things exist, because they have never had to pay for them.
they also don’t understand what a payroll tax is. because if they don’t pay it, it must not exist and is just some made up thing!