The burden is imposed by the "provider", as a result of their greed.
If your attic gets some mold that will be $8k to get rid of it.
Home insurance, you must pay. Property tax, you also have to pay. Water and electricity too.
Or, you can pay a housing provider a flat monthly fee, and not worry about any of that.
The burden is imposed by the "provider", as a result of their greed.