system
A chat on subreddit /r/NoStupidQuestions
human
A lot of people, especially on reddit,  are involuntary rentor who believes that if there weren't any landlord they would be able to own a house. 

In reality, most of them would have to live with someone else like their parents and the cost of housing wouldn't be lower,  but they don't understand that.
gpt
Even if they owned a home, it requires ALOT of money to upkeep

Most people live paycheck to paycheck as it is. Even if they could afford to buy a house, they’re one leaking roof away from $10,000s of damage and losing the home to the bank.