Home > Critical Thinking, Current Affairs, Dystopia, Musings, Reason, Secular Religions, Skepticism, Thoughts on Economics > The Irrationality Behind Desiring Home Ownership in Western Countries

The Irrationality Behind Desiring Home Ownership in Western Countries

One of the most peculiar features of western, and indeed many other developed, countries is the continuation of behaviors to satisfy needs and wants which have become worthless or counterproductive. The desire for home ownership is one of the many behaviors which is counterproductive in our era, though it might have been rational in a previous one.

So why am I so against home ownership in developed countries today? What is my rationale for calling it counterproductive? Shouldn’t people have a stable place to live and raise kids etc?

My issues with home ownership are linked to what it has become, as opposed to what it used to be. You see, people once owned homes to live in, raise kids, grow old and ultimately die in. They stood for something that cannot be simply measured with money. While homes in previous eras were rather basic compared to what you can get today, they were part of the self of its residents in a way stucco boxes inside a gated community can never be.

Homes today are really about living aspirational lifestyles based on keeping up with the Joneses or one-upping them. They do not mean anything more to its inhabitants, nor do they feel any real connection to it. Even the very reasons for owning homes in the first place such as long-term marriages, long-term jobs, raising kids and actually enjoying being in them are no longer relevant.

Home ownership has become a means to screw people over for money. Everybody who can exploit your desire for owning a home will try to do so. Entities from your local HOA, municipality, state government, school district, utilities, federal government.. well pretty much anyone who can take advantage of your situation will do so without any consideration for the effects of their demands on you. And don’t forget those in occupations connected to building, selling and repairing houses.

Their principal leverage over you is your desire to maintain ownership of your own home. But do you really own something if you are paying a range of mafia-like entities to maintain ‘ownership’ of it?

Then, there is the question whether the reasons you bought your own home for are still relevant. How many marriages last for a lifetime? Won’t you lose the house in a divorce anyway? How many jobs and careers last for more than a couple of years? What about your long-term income prospects? Is it worth having kids anymore? Between long commutes and unpaid overtime, how much of your waking hours will you spend in your home? What about petty tyrants in your HOA stifling your desire to alter your own home?

Are any of the previous reasons for owning your home even relevant? and have they been replaced by equally good newer reasons to still do so?

So why keep on aspiring to play a rigged game that offers none of the old benefits, but comes with a bigger set of negatives? What is in it for you? Is trying to impress people who don’t care for you worth that much effort? Is conformism worth the price of entry?


  1. webe
    April 21, 2012 at 6:52 am

    Nothing illustrates the state of American society better than comparative statistics on the number of people in jail and the number of people in gated communities (inside out jail).
    There are historical parallels (castles with moats, fortified towers and windmills, medieval lords, walled cities), question is where are the barbarians, the brigands, and the marauding serfs.

    • hoipolloi
      April 21, 2012 at 3:03 pm

      What do you think happened on 9/11?

      • webe
        April 21, 2012 at 3:26 pm

        Nothing to do with gated communities or prison populations.
        What apparently happened is that the the greatest threat to western civilization shifted. No longer did it emanate from behind the iron curtain, but from 246 Islamists living in clay huts in Waziritstan.

        No kidding! It seems that the west requires to create or invent enemies to exist.

  2. hoipolloi
    April 21, 2012 at 3:37 pm


    I mean 9/11 could be seen as barbarians at the gate.

  3. JamesFun
    April 23, 2012 at 9:19 am

    It is also easier in many ways to not “own a house – that is just paying a mortgage to a b*nk/State,” especially if a person wants to travel a lot.

  4. Matt Strictland
    April 27, 2012 at 2:42 pm

    Home ownership by mortgage is designed to create condition for living on interest, inflate the price of housing as a social control and to create synthetic “stability” again a sort of social engineering.

    Actually owning a paid off home otoh can be a decent thing.

  5. daneko
    December 2, 2012 at 2:05 am

    indeed the above comment is so true

  6. P Ray
    January 10, 2018 at 9:28 pm

    Home owners associations … are now spies for the government
    “Somebody had people living in the garage. I don’t.I am following the rules,”All I am asking is a reasonable way to get around this.If you want to inspect my garage,I have nothing to hide.If I have something that’s being stored and you don’t like it I’ll remove it” HOA forces garages remain open.

    AUBURN — An Auburn community is upset after their homeowners association told them they needed to keep their garage doors open during the day.
    The rule calls for residents with garages to keep them open from 8 a.m. to 4 p.m. Monday through Friday. While some have been abiding by the new rule, despite being against it, others were keeping their doors shut.

    Nine-year-old Jason, whose family lives at Auburn Greens, was concerned.

    “I’m still worried a little. I’m still a little worried because I just think it’s all going to get stolen, you know?” Jason said.

    A sheet of paper was the cause for concern, a list left earlier in the week by the Auburn Greens Unit 1 Homeowners Association.

    “I don’t think it’s a good idea because they are going to steal my bike,” Jason said. “I’ve got an electric scooter, I’ve got an electric wheelchair, I’ve got all kinds of stuff. So, I just don’t think it’s very good to have it open.”

    Looks like democracy = fascism in the US. Funny how things turn out like that when capitalism becomes a religion.

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