"Buying a house is stupid, smart people rent and invest." sounds like a rentor that can't afford to live in a house because it costs 20x your salary.
"In countries with mass immigration like USA it is not possible for there to be a high home ownership rate, just like Germany." looking at statistics, immigrants make up 26% of US population, russian russians make up 24% of estonian population, they are like your immigrants, a big portion has lived here for decades and doesn't speak a word of estonian yet estonia still has a higher home ownership rate.
funniest cope i've ever seen