Everything you just wrote sounds like a good thing to me. The fact that housing is structured around lending in the US is part of the problem. It should not r

Everything you just wrote sounds like a good thing to me. The fact that housing is structured around lending in the US is part of the problem. It should not require a loan to get a roof over your head, and combined with zoning making basic housing illegal, there's a lot of perfectly sound shelter that cannot be legally constructed in the US.