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Even psychologically, i don't get it. you're still renting, except insurance and property taxes replace your rent, even if you pay it off fully.

Insurance and property taxes will never decide to occupy the house and force you to move from your home despite being willing and able to pay.

they can and do, if you're past eviction notice.

Maybe read the whole sentence?

apologies for misunderstanding, I think you were being sarcastic and agreeing with me?