Have you read my other comments? I don't really need an explanation of how home ownership works. I owned a home for a decade. I lost money. I'm not saying that always happens, just that there are several factors not considered by many people who want to be a homeowner. Yes, it's practically always less expensive, but it's also often stressful.

You rent for 20 years, all the money you’ve spent over those 240 months is gone forever.

... we pay for things we'd rather not deal with all the time. No, it's not money pissed into the wind, I got something for it. Peace of mind for those 20 years. Sleeping in instead of mowing the grass or taking the mower to a mechanic so I can do that.

I have enough stress to deal with without maintaining a property. I may decide to make that trade off again some day, but it's absolutely not this cut and dried thing where renting is stupid if you can own. There are a lot of tradeoffs involved in owning vs renting.