In reality, it is both. You don't have to own a house to have housing. Home ownership is, not a basic aspect of human life, sadly for many people. But there i

In reality, it is both. You don't have to own a house to have housing. Home ownership is, not a basic aspect of human life, sadly for many people. But there is a limit to this idea, and housing is heavily regulated anywhere. Investment banks buying up houses, built for individuals, are just wrong on so many levels.