I feel like Cassa doesn't understand what capital means. The landlord is just whoever has, on paper, the capital used to provide housing to the people. If it's no one, then congrats on living in an abandoned building or outside. If it's the government or a public bank or credit union, then that's probably a pretty decent landlord. If it's a private company, that's probably a source of evil. If it's an individual or family that owns many houses, then it really depends but is often a source of harm to tenants. If you own your own home, then your net worth is way above the median, I wonder where you got all that wealth from?