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Some people are more capable of getting and repaying loans than others. Some people are more competent at home repair and maintenance than others. We should allow small rental organizations to facilitate living in an area for less than a 10 year period.
We don't want to end up like China where everybody has a home but nobody lives in them because they're all in different districts than where people live and work.
But yes, I agree homelessness can be almost completely erradicated if we move some funding allocation around.