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Rent-over-own actually applies to capital too. Think about bitcoin mining contracts or timeshare vacation homes. The defining characteristic of “owning” capital is participating in the risk of catastrophic loss, not physical possession or operational control.
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What do you think is the solution to rent-over-own only really working on things that can be easily standardized? Eg. there are 50 apartments broadly like mine available for rent, and only one is unfurnished; I want to use my own unusual bed, so my options are extremely limited.
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