this post was submitted on 03 Feb 2026
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A Boring Dystopia
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The key thing that the landlord handles is risk. If the roof is very expensive to fix, that is not the contractor's problem. If the property does not generate revenue, that is not the bank's problem. If the property is not worth the cost to build, that is not the builder's problem. If the property is unsafe to live in, that is not the renter's problem.
The landlord's financial risk in the property (should) provide an incentive to maintain and make use of that property.
I'm not saying there aren't other system of distribution people to homes, and I'm not saying that the capitalist system in the US is the best system to do it. I'm just pointing out that a core principle of capitalism is risk, and that is what the landlord provides, a single point buffer of risk for the other parties involved.
This is completely ignorant of the fact that landlords can get insurance for those things and often dont have to pay anything at all. And when they do have to pay themselves, they will pay the minimum amount possible to maximize their profits often resulting in degrading housing that people living in suffer the consequences for.
Housing is a human right. Capitalism commits violence against the people by denying them shelter. It's a crime against humanity. Landlords exist only to profit off of this system. By your own exact definition all homeowners are the same point of risk mitigation, and therefore all renters would also be the same point of risk mitigation. Landlords have inserted themselves as a middle man to steal the labor of the working class. They profit off of the venture. Thats the whole point of them doing it.
Go and have a look at property prices over the last 50 years and see how risky it is.