I think this guy never lived in US.



1. First, house price had little to do with how the house are built. The main price of the house is the location. A piece of land in Silicon Valley can cost a million dollars. I have a contract with a home builder right now to build a house. They are supposed to luxury builder, but they are not that different from other builders. The price difference in the building the house is less than 20% of the house price.



2. All of your problems described can be insured by the home protection insurance. It is only 500 dollars a year for most houses.



3. The house value is in the land appreciation, not the house itself. A lot of guys in US remodel their house every 5 years, but they think this is an investment, not expense.



Please live in US for a while before you open your mouth.