I live in a shared flat, because it is very cost effective. But I have been living here for a couple of years and theoretically the people that live here could have bought the flat together and just paid the bank so we would own it in a couple of years…

I don’t like how housing is used as an investment, to wait for prices to rise and sell or even worse - rent out very expensive and earn multiple times the money it would cost over decades. Do I have a better system? Yes and no. I like cooperative housing and it would be better if most housing was from a cooperative system, which is non-profit in nature, but we’d probably need some speculative houses for some purposes. Idk