You'll own nothing and you'll be "happy"

because the bank was the one renting you the appartment😂

Your landlord has a collateral for his loan - the real estate he owns. You have nothing to guarantee you won't default on your loan.

Maybe your credit is shit ?

Because, when you have your own place, you have more bills to pay than when you rent it. So no, the total cost wouldn't be 300$ less, it will be a lot more.

Apples and Oranges. It's all about risk assessment. Don't be daft.

Not enough profit, we have spreadsheets to bow down to.

The landlord and the bank are playing in the same team. You are not.

Usually, governmental regulation regarding mortgages, which do not apply to rent. The bank would be more than happy to let you pay that.

As someone who had the "pleasure" of being some months in the states. Found a bank so i can get a Credit or debit card and save a little. Show them im transferring from my european account. No Credit score. No loan just an account and a card so i dont have to get charged 1.5% eve

Shut up peasant, and keep paying. Jokes aside, the bank cares shit about how much rent you are able to pay. Defaulting on rent basically only hurts you, but you defaulting on a loan becomes the bank’s problem. When you buy property, it’s only the beginning of a financial hemorrha