The rents mostly go to the banks, who create the loans out of nothing and win either way. Your rent might go to a landlord but to compete in the bidding on the

The rents mostly go to the banks, who create the loans out of nothing and win either way. Your rent might go to a landlord but to compete in the bidding on the building he must lend as much as anyone else from a bank. That ability to mortgage land should be shared among society if anything is to get better. The question is how the 'state' handles any foreclosure in a politically acceptable way when home owners would use their voting power to cajole their way out of giving anything up when they get greedy and over extend. Right now the state offloads this to the banks as the bad guy debt collectors, giving them the benefits of foreclosed assets.