@HeavenlyPossum at low scale the costs of ownership are not negligible, and if we remove the speculative value, as we should imo, then owning something for someone else is a service with an associated fair price.

I think the root causes are not the ownership itself, but:

1. Human rights to shelter are not guaranteed properly,
2. Artificial scarcity and unfair prices are allowed.

If the private ownership would be limited, the service of owning shelters should be provided still.