Think of it this way. IRL Until you pay off your mortgage, you need to pay off your house on a regular basis, depending on how you set up that mortgage. If you don't pay anything over a period of time the property is foreclosed and the bank, or owner of the land by all rights gets to take it without question since you owe them money.
In game yes we buy the plot in full, but the "mortgage" would be either having an active sub or being active over a set amount of time. If that set amount of time lapses you aren't "paying" that "mortgage" so the contents of the plot would be removed.


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