bank and governments are already landlords - usually to owned homes as well
I'm not sure I understand your question, but I presume you don't got cash to buy a home - and therefore think you should need to rent.
Nobody should have to rent, hell homes shouldn't be a money commodity traded for profit at all. Landlords are part of the equation that made you unable to just buy a home. The cost of housing has gone up exponentially, across most of the world. This isn't due to less housing per population, inflation or just less housing being built. It's that capitalism feeds on growth and will create artificial growth if needed.
but tldr, there is no ethical living under capitalism