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You still owe money for taxes and insurance, and of course you have to pay for the upkeep. It’s interesting that home ownership isn’t an asset since you’re not renting it out, but investing the same amount of money is considered an asset.
I don’t want to do those things either. My taxes are more likely to pay for bad cops and subsidize new data centers and insurance companies will always look for a reason not to pay out. “Upkeep” is just fixing things, which existed before capitalism.