But resources aren’t being distributed fairly.
Right, because the system is broken.
That’s a rather arbitrary rule.
It’s basically co-ownership, which is already an established way to buy and own a property.
Assuming you do have all the right rules in place, what makes this setup more desirable than simply renting at cost?
At the end of your lease, if you choose not to renew, you still have equity in a property which is worth something, rather than ending up with nothing in the current system.
Just so we’re on the same page, we’re still talking about OP’s question, right?
The relationship between a landlord (parasite) and a renter (host) is absolutely a net negative for the renter*, because at the termination of the relationship, the landlord ends up with much more than they started with (equity in a property + profit from rent) and the renter ends up with less than they started with (lost money in rent payments).
No. A tenant never gains anything once the terms of the lease expire. The property owner is the only one that gains, as long as the price of rent is a positive number.