The house was not built by its owner. It was erected, decorated, and furnished by innumerable workers--in the timber yard, the brick field, and the workshop, toiling for dear life at a minimum wage.
The money spent by the owner was not the product of his own toil. It was amassed, like all other riches, by paying the workers two-thirds or only a half of what was their due.
Moreover--and it is here that the enormity of the whole proceeding becomes most glaring--the house owes its actual value to the profit which the owner can make out of it. Now, this profit results from the fact that his house is built in a town possessing bridges, quays, and fine public buildings, and affording to its inhabitants a thousand comforts and conveniences unknown in villages; a town well paved, lighted with gas, in regular communication with other towns, and itself a centre of industry, commerce, science, and art; a town which the work of twenty or thirty generations has gone to render habitable, healthy, and beautiful.
A house in certain parts of Paris may be valued at thousands of pounds sterling, not because thousands of pounds' worth of labour have been expended on that particular house, but because it is in Paris; because for centuries workmen, artists, thinkers, and men of learning and letters have contributed to make Paris what it is to-day--a centre of industry, commerce, politics, art, and science; because Paris has a past; because, thanks to literature, the names of its streets are household words in foreign countries as well as at home; because it is the fruit of eighteen centuries of toil, the work of fifty generations of the whole French nation.
Who, then, can appropriate to himself the tiniest plot of ground, or the meanest building, without committing a flagrant injustice? Who, then, has the right to sell to any bidder the smallest portion of the common heritage?
Just the first line raises so many basic social questions:
Do all the workers who contributed to the building of the home own it? If so, do they all get to live in it?
If not, must they then communally determine who lives in it? How would that be organized? Majority opinion? A reversion to primitive village social structures?
What's the purpose of supposing they get a minimum wage? What does it change about their contribution if they were highly paid by the owner? If you admit that their labor was commoditized to build the house, and they were compensated by the owner according to the socially agreed value of their work, then what does it matter if the owner didn't build it and why does that prevent the owner from claiming it as his private property? What if the owner overpaid them - i.e paid each the amount it would cost to commission laborers to build their own similar home? Are they then self-exploiting if they use the money their labor earned to buy the labor of others to build homes?
Most of your questions are answered in the chapter I linked. It's a good read, check it out. Obviously, the whole ordeal Kropotkin describes would require ingenuity, and patience, and M U T U A L A I D.
"[Landlords] are the only one of the three orders whose revenue costs them neither labour nor care, but comes to them, as it were, of its own accord, and independent of any plan or project of their own. That indolence, which is the natural effect of the ease and security of their situation, renders them too often, not only ignorant, but incapable of that application of mind." - Adam Smith
I'm not defending landlords here — just pointing out that housing is expensive right now regardless of who owns it. Construction costs are through the roof (no pun intended) even before factoring in a profit margin for the builder and/or the landlord. If I had to rebuild my house today it would cost at least 3x what I paid for it 15 years ago, and my income hasn't tripled since then.
As a former homeowner who is now renting again after moving across the country, you lose a lot renting.
So many small and large details of my home I built for me that if I add to my apartment will only serve to let the landlord raise the rent later and/or evict me to find someone willing to pay more for my own additions.
It’s less about what you spend and more about freedom, control, and who benefits from caring for the property.
Also modern apartments are turning every aspect of living into add-on subscriptions. Pet rent, parking fee, ev charging fee, even gym fees are popping up now
Thank god some federal laws changed that blocked landlords from bundling specific cable and internet providers. That was horrible the first time we moved west and found that your building controlled what services you could even buy.