Im saying you never actually own anything. The bank owns your house and car and it can all be taken away.

Ownership is like when you buy a soccerball from the supermarket, you pay once and after that there is no extra fees to keep it, theres no threat of it being taken away if you dont pay protection fee (tax)

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Not everyone will have their houses and cars owned by banks. There are those with zero debt or liabilities.

I'm saying you do own things. A social order that knows what ownership and property rights mean will prosper.

To make things more defined, check out Locke's definition of property means and let me know if you agree with that definition.