More often than not it is a bank that is making a substantial investment in a property. And an investment is a gamble, it is entitled to think that you are owed a profit from every investment. You can save money on property maintenance and taxes by owning your own property, instead of paying somebody else for the privilege of living in a house that they greedily own but don’t need. We want people to be self sufficient and make wise spending choices, don’t we? Landlords get money for doing nothing but restricting access to housing. If housing were more available they make less money. The people that need to rejoin society are the ones who are addicted to a non-productive non-work lifestyle who will gladly hoard land to maintain that lifestyle.