I don't know where these numbers came from. There is NO 700k house in my imaginary scenario. In fact the entire cost to BUILD this house is 100k, so the only wa

I don't know where these numbers came from. There is NO 700k house in my imaginary scenario. In fact the entire cost to BUILD this house is 100k, so the only way for damage to reach 100k would be for the house to literally burn down - which is covered by insurance. The most you would expect "junking up" a house that costs 100k would probably be about 10 - 20k of damage - depending on the finishes. This whole thread spawned from this comment makes no sense. And again, since this world has no renting, these people want to TAKE CARE of their house, not ruin it. Even if these people decide to "junk it up" on purpose because they are about to default - again burning causes insurance payout to the bank and other than that it's just up to 20k. The other goal here though is that because it's 100k there's a much higher chance that this person can work a normal / non coding job and make ends meet and live in this 100k house just fine with little chance of defaulting.