I dunno.
here's my philosophy, (and also why I will likely always be poor, and why I am fine with that.)
Money is a means, not an end. (full stop.)
For many people, money becomes an end. It becomes the reason for their activities, rather than an incidental that moderates their activities. They forget what actually makes them happy, and makes them actual people, and end up just being agents wholly devoted to the acquisition of largess. This is especially true of the plutocrat class. Wealthy-wealthy-wealthy--- but they dont actually use their money for anything other than making more money, and they value the worth of other people based on how much those other people do the same thing.
This is fundamentally wrong. Once your needs are met, and you are able to enjoy doing things without a sword of Damocles dangling over your damn head (like the eternal damnation of rent and rent seekers, or bills and bill collectors), you do not require any additional money. There is no reason to hoard or to lie, cheat, swindle, or disenfranchise other people to endlessly seek more and more of it.
In theory, people who grow up poor learn this lesson. However, this is not always the case. Typically, people borne to wealth are given life lessons about how "The world wants to take away all your money, so you have to focus all your energy making more, and if you fail to do that, you have failed as a person." and other similarly destructive life lessons. (which is why most of them are actually bitter old fucks who hate the world, and hate everyone, more often than not, and why the world is the way it is with them in charge of everything.)
I grew up so poor that we literally had to forage for wild edible plants in the spring and summer, and stock a deep freeze with trash fish for the winter. I know how to live that way. It is inconvenient, and I do not relish the idea of returning to that kind of life, but I know how to do it, and am not especially terrified of the prospect. Money simply affords me the luxury of being able to buy food from the store. (And, as I did this year to avoid going to the store because of the whole Covid situation, I proved this through demonstration.) I only work to pay taxes, really. I could live quite nicely otherwise.
Philosophically, I work to live; I do not live to work. My value is not based on my GDP, or how much I enrich some property owner with my existence. As far as I am concerned, the property owners can go get felated by a garbage disposal, especially if they are already wealthy enough that all their needs are met comfortably, and they are just stuck in the "GOTTA MAKE MONEY TO PROVE MUHSELF!" spin cycle.
It is my opinion that tragedy of the commons can be avoided by properly respecting and living close to that commons. The more distanced you are from that commons and its maintenance, the more you are prone to abuse it, and thus destroy it, in the name of profit and comfort. This is true for financial institutions and vehicles just as much as it is for pastures and waterways.
To wit-- My weedy lawn was my pantry for nearly the whole spring and early summer; The city was not amused, and wanted the weeds gone, because of city ordinances, which exist because of smarmy property owners who get their panties in a twist over appearances and presumptive property values (which out in the boonies, they are kidding themselves into thinking will ever fetch a high price at market in the first place). They are people caught in the "VALUE! GOTTA INCREASE VALUE!" spincycle, and destroying real value around them. To wit-- killing weeds because they are ugly not only increased my need to go to the store, and thus potentially act as a viral dispersal vector, but also retards habitat for insect species that are in decline, and a number of other actual tragedies of the commons, because "MUH INVESTMENTS!! OH MY!". (which, again, they are in denial about from the start. Properties out here sit on the market for months on average, because there is not much demand for a property that is a 40 minute drive from anyplace with real economic potential. As long as there is no real physical harm done to their property-- like moles destroying foundations, etc, the paranoia these people have over property values is indicative of the deleterious messages promulgated by the fears of the wealthy rubbing off on them.)
You strike me as the type that has fallen victim to this mindset of the rent seeker. This is the source of the discord, I believe. I personally DO in fact, own my own home, and accomplished this feat early in life; this is because I view money as a tool, and not an end in and of itself-- Owning the house outright means I am not obligated to a rent seeker. (namely, a bank as a mortgage holder, or to a landlord, as a pure financial parasite.) This means I am free to do things that I enjoy doing, and not spend all my time worrying about how that rent seeker is going to ruin my life with their rent seeking, because they feel threatened by the market, and the potential reduction in their earning potential.
I hold on to enough liquidity to handle basically any major emergency (at least 2k in the bank at all times), and in so doing, stay above water even though I make less than 20k a year, and thus am considered impoverished.
Because of these kinds of behaviors, I live "more wealthy" than most people, even rich people. However, the wealthy consider me to be a substantial waste, because I do not willingly give my time, energy, or talents to their enterprises. The rent-seeking class despises people like me, because we do not die easily, and choke up their plans to further enrich themselves eternally, just by existing and living the way we do. History is replete with this. (Just check out the Pinkertons for some historical precedent.)
There's a message in the modern world, aimed at poor people like me, that makes the destitute. "YOU NEED THIS RANDOM TRINKET! YOU ARE NOTHING WITHOUT IT! BUY NAME BRAND! SOCIAL STANDING IS KING! CONSUME! LABOR, TOIL, SLAVE! TAKE ON DEBT, IT'S NECESSARY AND GOOD-- YOU TOO CAN CLIMB THE LADDER TO RICHES! YOUR VALUE TO SOCIETY IS BASED ON YOUR NET WORTH, SO SACRIFICE EVERYTHING IN THE NAME OF LARGESS!"
You end up with poor people who spend all their time dodging police, acting as the agency of rich rent seekers seeking to prevent any perception of loss of their property values (and those dirty poor people might soil things by breathing!), and who seek to squeeze for every drop they can get, while extracting "Maximal value" from employing said people-- such that those people have zero free time to improve themselves with, or to self-actualize and be full, whole human beings with. The rent seekers content themselves that the poor people should just magic time and resources into existence to better themselves, and that their failure to comply is some affirmation of how much better people the affluent are than the poor, rather than the blindingly obvious proof of the inverse that it is.
People trapped in decaying city centers, where only slumlords own property, who refuse to invest in improvements (because it does not profit them), and demand extortionate rents for terrible living conditions, on people who lack the financial liquidity to escape the hell they were born into, all the while such people slave and toil at the lowest wages allowed by law, because "they should be HAPPY to even GET a job from me!" types have drunk the "Your value is based on your networth" koolaid.
Getting people into that position is the end-goal of the rent-seeking class, because the people are so hamstrung that they cant throw the parasites off, and are easily destroyed financially, because they dont own anything, and thus cannot challenge any new hair brained "GET EVEN RICHER" scheme they can dream up. They just get evicted, and get expected to die quietly and quickly.
I would instead suggest that more poor people should be like me-- a natural obstacle to that kind of largess seeking, both philosophically, and materially. The world would be in a much more sustainable and livable state if it were so.
There is nothing wrong with being a property owner; I happen to be one myself. However, do not join the rent seeking class, and do not drink their koolaid. It's poison.