It is always a balance, here in Wales we are seeing less and less properties for rent, mainly due to landlords feeling it's not worth the hassle so selling up. We are seeing a huge increase of mobile homes, seems the rules are not as strict, I saw what was done to my mother home to allow her to live with one leg, and can't see any landlord allowing that to be done to a house he owned, and when she died, the way social services ripped the stuff out, also seemed wrong, disconnecting fire alarms for example.
I remember at around 20 years of age, the debate, buy or rent, lucky I went for buy, but it was a toss up in 1971 which way to go, and we got very close to loosing the house, mortgage rate then was around 16%. Today sitting pretty, we sold 2½ houses to move here, so no mortgage and money in the bank, but as to if worth it, not so sure, I hardly saw my children growing up, to make ends meet I worked Algeria, Falklands, and Hong Kong, and even when in UK worked around the country. And when I had my accident in 2004 nearly lost it all, we were on our last pennies. Once compensation came I was OK, but that took two years, and then we had to make the money last.
Had I been in a rental it would have been so much easier to get money, they took the value of the house into account, and even if worth a lot of money, it would not go far with no income even if sold. And home maintenance clearly took a back seat, I could not afford carpets, or any of the other things I now take for granted. There maybe laws as to what needs to be in a house to rent it, but non for a owner occupier, we had two options, sell the house, or make do. And to sell would mean government would grab even more money off me, and all my hard work to get the money would be for nothing.
Was it all worth it? Well I think on balance yes, and when I lived in Algeria I had a great sun tan, and of course sand in my toes. But when I lost my job, due to no fault of mine, I did not remove the lock and turn the machine back on, but I had never planned to stop working so early in my life, as least being some one else's fault I did get some compo, had I got same injury out of the work place I would have got nothing. So yes I see your problem.