If it was about keeping subs, then why let us BUY houses. IRL if I buy a house I can do what I want with it. If I rent a house then I have to keep paying rent to even just live there. They never rented us houses, they let us BUY them outright. SE got it wrong by not adding enough housing, and those of us that have housing did nothing wrong by buying it, even if we choose to not "live" there for six months.