then, consistent logic would require explaining to every average earner currently renting centrally in Munich, Hamburg, Stuttgart, Berlin, etc., etc., that their rent payments, considering ongoing rent increases, are harakiri and they should rather move to a cheaper residential area.

A tenant's rent is also a debt to their landlord, lasting their entire lifetime. There is no: I have little money this month and don’t want to pay alternative.

Even in this scenario, there are people who gladly spend 50% of their income for a great loft because it is important to them. €1000 cold rent per month is no longer unusual in normal locations; however, this means owing the landlord €360,000 over the next 30 years. With rent increases, more likely €400,000 or €450,000, which have to be paid every month, otherwise you get evicted. I see no difference compared to buying/building real estate. On the contrary: in 30 years at least I still have something in hand; even if the house may have lost value by then, the rent would be completely gone. Every cent lost. The house stands, and my heirs can sell it.

Even full financing is basically a zero-sum game financially: on one side a debt of amount XY, on the other side an asset of amount XY. The rent debt, however, is a money debt and on the other side only the right to live there. No. I’m done with that.

No, I am not frustrated at all. However, you have made derogatory remarks quite often, not only towards me

what does derogatory mean? I remain factual and not insulting.

You are, with your sarcastic, condescending manner, very far from being objective. Of course, you are not just insulting. But no one here claimed that either.

So I think the buyer is more flexible. If I, as a tenant, have a financial bottleneck, I can't just reduce the rent. As a buyer, I can change the repayment rate with one click, as it suits me – and if that's still not enough, I can go to the bank and politely ask if the repayment can be suspended for a few months. If I urgently need a larger sum (broken heating, broken car, or something else), I can go to the bank and have the released mortgage paid out as a loan for next to nothing. If I have to work somewhere else, I can rent out the property in the meantime. Without having to comply with any deadlines. As a tenant, in case of doubt, I am stuck with 4 months' rent (if I terminate after the 3rd working day) or in the worst case far more if a minimum rental period was agreed.

So as a numerical example, I can reduce the monthly burden for the house here to under 200 euros (interest portion) if things go badly. As a tenant, I have an eviction lawsuit on my neck if I just reduce my rent in such a way myself.