As long as those who have the mortgages are making their payments and paying their taxes, they are the owners.
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The landlord is the government. The “owner” is the tenant. If the citizen fails to pay his rent ( property tax), the landlord ( the government) **will** evict him. The landlord ( government) **will** find new tenants ( citizens) to occupy the government’s property by having a sheriff’s auction ( real bullets in those guns on the hip.) If the citizen objects and sufficiently resists the government sheriffs will kill him.
No one in America owns his home or business. Everyone, except the homeless, are renters. Our landlord is the government.
“As long as those who have the mortgages are making their payments and paying their taxes, they are the owners.”
Everything you both said is true, but so is what I said.
Pay your mortgage, taxes, etc. and you are the owner.