You're 100% correct, but I'm posting this to the audience of Hacker News. I highly doubt we have too many representatives from the true lower classes here. And

You're 100% correct, but I'm posting this to the audience of Hacker News. I highly doubt we have too many representatives from the true lower classes here. And to be clear, I don't mean "own a home" when I say "build a home." A home is composed of the people you are committed to and the people you love. I don't mean buy a house or buy anything, actually. I mean building an identity for yourself that includes the notion of "home."