Home values up until very recently would net 4-5% a year in value when adjusted for things like maintenance, lower mortgage rates vs rent, inflation, and other considerations.
You can buy a moderate sized home to raise a family and grow into while being nearly certain that you’re going to have moderate gains while maintaining a fixed cost over 30 years. If you move you can be nearly certain in most situations to be able to sell or rent. You can invest in improving the property knowing you’ll make back 50% of those costs later.
Get old age don’t need a big house anymore? Sell it and add that 75% of mortgage money you paid directly back into your retirement income.
There are very very few investments as historically safe and as useful as the mortgage in the USA.
There are dozens of suburbs just like this that ban street parking! DOZENS OF THEM!
Skipping past the overwhelming use case to be pedantic about an edge case is an absolute waste of everyone’s time and energy. It’s entirely unhelpful and painfully prevalent in these parts.