That’s why I added the part about not being a racoon. I assure you that as a tenant, I am not a “risk” to the property. I take good care of the house I live in. That doesn’t make my rent go down, though. In fact, it recently went up, to cover an increase in the mortgage I’m paying for.

I would in fact argue that most people don’t trash their homes beyond what would be covered by the security deposit. So there’s an initial risk, followed by potentially tens of years of “free” money.