a) non trivial amount of them inherited it. b) purchasing constantly-appreciating-due-to-natural-scarcity-and-macro-policy assets is exactly how wealth concentration and income inequality grows. c) all tax, utility and labor costs are a minuscule % of the income generated from an nyc rental property. Not a single serious person remotely involved in this market would even try to pretend otherwise. d) reducing any discussion about housing policy, especially as it’s a fundamental human need and is based on public trust mechanisms (land registration) to “wanting shit for free” is how disingenuous and morally bankrupt people such as yourself like to argue, but it ain’t fooling anyone