Thanks for the recommendation - I just read it.

"Homeowners" don't own the home until the 30 year mortgage loans are repaid to the banks, and the banks regain ownership when the home is sold to another 30 year borrower.

Let's pretend - I bought a (home) loan when I was 35, paid it off at 65, and died at the average life expectancy age of 76. I owned a home for 11 years, the bank owned it for 30 and regained ownership for another 30 years when it was sold to another borrower.

Banks own homes, and we borrow them. The jokes on us because we are the fucking idiots defending our god-given right to borrow homes from the banks.

And then, homeowner insurance companies won't cover property damage because their objective is profit, and payouts hinder their margins. This is not a conflict of interest because profit is our only national interest.

We are chumps.