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Most people would never be able to buy a house without credit. Along with many other reasons why credit is necessary.

The concept of 'buy a house' is predicated on many other systems that make credit 'necessary'. Why do you think a person needs to 'buy a house' at all?

> Why do you think a person needs to 'buy a house' at all?

Because people need a place to live, it would be helpful if you stated which alternatives you have in mind?

Renting for the rest of your life? Building a house, paycheck to paycheck? Something more radical, like abolishing private housing and give every citizen a place to live, for free?

I'm not saying there is anything wrong with credit but the ol latin american method of buying a house one brick at a time does work. You may have to buy the land all at once, but even where I live (top 10 city) that's doable for roughly what a down payment costs.

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