You have that option, it's called buying a house and getting a mortgage. You just rent from the bank for 30 years first. But you're not thinking x=30 with any responsibility other than writing a check, I bet. If I had to guess, I'd say you want x<10 and you still don't want to pay for maintenance, or property taxes, or have the value reassessed as soon as you take occupancy, or be forced to stay there if you decide to leave. You want all the benefit with none of the cost or risk. It's fine to want that but let's not pretend "rent should be illegal" is a serious or reasonable policy proposal.
There's a reason why a mortgage with very little down payment is a lot more than comparable rent.
There's a reason why a mortgage with very little down payment is a lot more than comparable rent.