A human needs somewhere to sleep, keep possessions, and be protected from weather and strangers. Shelter is unusually expensive relative to income, which is why it is the constant most often solved with debt rather than cash — and why so much of the financial system exists downstream of it. It is also fixed in place, which links it to jobs, schools, and transport in a way no other need is.
22 frictions in this map are rooted here.
Its neighbourhood
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