So absolutely everyone must own a house or apartment in order to have a place to live? That doesn't sound utilitarian to me. How would people changing jobs or studying in another state or country find a place to live? If owners can't rent, tenants don't find apts to rent.

Portugal's 1m empty houses and apts amidst a housing affordability crisis exemplify how too much tenant protection just leads owners to leave property empty instead of renting it.

The NYC housing authority exemplifies how the government is not the best landlord.

I saw in early post-Soviet Latvia and Estonia what happens in a capital-deprived socialist real estate market. Everything was falling apart and nothing was maintained. Even after a generation the effects are visible. If the CIA had seen how the Soviets maintained their real estate, we could have saved half our defense budget by not overestimating Soviet economic power.