Looking at it a different way, that would be like a photographer taking a photo of the sandwich and proclaiming “I’m an artist” or a director telling a chef what to make, telling a cinematographer/camera operator how to shoot it, and an editor how to cut it to create a short film of a sandwich and proclaiming “I’m an artist”. Art can be made from a series of creative and purposeful decisions that result in a piece of expression. It might not be good art, it might not be effortful art, it might even be unethically made art, but it’s not not-art.
No. Rent and mortgage are two different things. One is a fee for service and one is a loan.
If your home that you own doubles in market value and you decide to sell it, you pay off the mortgage (loan) and keep the profit (capital gain). If you are renting and the home is sold, you gain nothing.
If your home that you own burns down, you still owe the bank the money you borrowed for purchase (mortgage). If you are renting the home that burned down, you don’t owe anybody money. There is to service to pay a fee for anymore.
Like sure, fuck capitalism. But we don’t need to misrepresent how these systems work.