Not how it works everywhere. Also - bullshit on the actual risk being so low after investing all you can afford to lose - you just lost all you could afford to lose which could be thousands.

The reality of it is - you rent out an apartment and need to keep it up. I had landlords come in with powerbanks and extension cords in the middle of the night when the breakers failed. I had them loaning me an AC units. They would renovate regularly.

And I could’ve been a shitty tennant that messed their modern flat, didn’t pay them rent and refused to move out. They would lose a place they lived in for years to some rando off the street.