Since the housing market looks like a crowd of people just signing mortgages as fast as possible just to then turn around and charge that mortgage plus a little bit.
I shouldn’t pay someone’s mortgage like seriously this is just adding an unnecessary problem to the real problem of “living somewhere”
Housing is a human right, so give everyone UBI and offer social housing for a fixed proportion of that UBI that leaves enough for a very basic life (as in “homemade bread and water and enough to replace the cheapest of furniture when it breaks” basic, not “can’t go on holiday to somewhere warm this year” basic)
If you want something better and have the skills to get it then you can earn it and supplement your UBI, but nobody goes hungry or without a house. With free college tuition, you can even spend your days studying instead of working so you don’t starve, so it’s not like there’s an argument against it there.
I can’t think of anything fairer… If you wanna own more than you need, go for it, but in doing so don’t make people literally homeless