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> and suddenly the value dropped by $300k, I wouldn't care

You are saying that now but when it actually happens to you then it becomes real and different people react differently when it actually happens to them.

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The point here was that the value is not so important when you're not looking at your home as an investment. This is a very real argument. A house has many functions to the owner who actually lives in it vs am investor. Ofc you might want to sell at dinner point and then the value matters but it's not unreasonable to picture a hike owner who will never sell for as long as they live

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