When, if or where people are either poor or primitive enough it works like this: You build a house then you live in it. There is nothing in this that suggests

When, if or where people are either poor or primitive enough it works like this: You build a house then you live in it. There is nothing in this that suggests one needs to spend 1/4 or 2/3 of the productive labor in their lives to maintain the house. Progress is to reduce the maintenance cost. The lower it is the lower the salaries can be which increase productivity exponentially. IOW grandpa's pension plan is for a large part to continue to pay for housing. He spend his entire life busting his ass but some how didn't manage to earn a place to live.