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Because the government is interested in subsidizing residential property ownership.

Why would healthcare be free? Who would offer such a product? Because some governments are interested in subsidizing such things.

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> the government is interested in subsidizing residential property ownership.

As an aside: that doesn't work, it just makes houses more expensive.

Plenty of places don't have 30 year mortgages, variable rates might even be standard there and real-estate is still unaffordable. Until Covid housing was actually quite cheap in the US relative to income compared to many other Western countries. It still relatively is, just compare major US and Canadian cities, the gap is huge.

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