Right, you’re using them as insurance. You give them money, they pool cash you literally can’t get because the system is out to crush you, and on the off chance something goes wrong they take a small hit to their profiting from your suffering.

This is especially a funny take from a Canadian considering the reason your rent is high is rich people who can easily get more capital are buying up real estate with the sole purpose of raising prices without providing any additional service. I mean I wouldn’t want to try to live in Vancouver on a California salary and that’s sad.