My dad is running xubuntu for about 6 years now. I didn't get any questions in the last 2 years. Besides for installing a new printer.
Before that it was mostly which program he needed for something. Never a black screen anymore, malware or anything like that.
You can still own and buy appartements in most places in the world. Then there are many forms of social housing.
Rent to own is also a possibility but not seen in most countries.
Seems your problem is not ownership but landlords.
Some countries in Europe have the right to roam on any land. State owned and private owned. (Maybe more countries somewhere else have it to but I don't know)
It does not need to be so terrible. In some places it just is because of profits