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JoachimSchipper comments on Unemployment explanations - Less Wrong
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And, of course, encouraging homeownership makes this worse. Good thing that most of the Western world hasn't made that an explicit policy goal for the past decade...
Try three.
Is this a reference to this saying?
Homeownership makes employees less willing to relocate, but also more tolerant of short-term decreases in the demand for their skills, since they can postpone maintenance on a house (or perform it inefficiently themselves with the surplus time) more safely than they can miss rent payments to a landlord.