I think you might have a logical hole here. The biggest problem with renting things is precisely that they have a negative effect on your net worth. When you bu

I think you might have a logical hole here. The biggest problem with renting things is precisely that they have a negative effect on your net worth. When you buy a product that is something that you have the right to sell, rent, trade or otherwise enrich yourself with, at least within the confines of intellectual property law. As an example I enjoy games and my Steam account likely now is 'worth' some thousands of dollars that I should be able to sell at some depreciated rate. Except it's not, and I cannot. As I'm effectively renting access to these products instead of actually 'buying' them, my account is worth exactly $0. I could try to sell it nonetheless, but it would be unlawful. If I was instead able to actually own these games, my little hobby would still have cost me money, but I'd be able to recoup a substantial portion of it at a later date -- or perhaps even work to monetize "my" games in some way, again within the confines of the law. This is sort of a microcosm of what causes wealth inequality. A more typical example would be a poor individual spending decades paying rent each month that is simply subtracted from his net worth. A wealthier individual might be paying off a mortgage on a property that eventually begin to earn money for him, or at the minimum provide him a residence with no rent due other than that which the government demands. It's interesting to consider this aspect of the migration to cities. People move into these extremely dense areas where they're obligated to rent homes which, due to high demand, consume a very large chunk of their earnings - and then at the end of the days, weeks, years, decades, they have absolutely 0 to show for what will amount to hundreds of thousands of dollars for most people.