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The problem is not home ownership per se, but that various presidents have lowered the bar over the years for those home loans to the pojnt where any idiot could get one.
Part of the Singapore miracle was providing housing to the working and middle class, but they were very strict about it.
But yeah, HOV lanes... Frugality should be its own reward... Unfortunately, some people wouldn't know frugality if it hit them in the face...
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