I'm not blaming individual actors acting on incentives, yes the problem is systematic not you personally buying an apartment and renting it out (just like clima

I'm not blaming individual actors acting on incentives, yes the problem is systematic not you personally buying an apartment and renting it out (just like climate change is not your fault personally if you drive an SUV). A decade+ of near 0% interest rates had some negative effects on society, one of them is incentivizing actions that made housing increasingly unaffordable.