why do people need to buy a house? Why not rent? or share a house?

owning a house is not a "right" nor a societal obligation to provide.

Too many idiots take (or are co-erced into taking) loans to buy properties they can't afford, and they do not adjust to account for the risks of increased interest rates.

Others, who are careful, and do not take those risks (who rent a long time to buy a house outright in a fairly priced area or country) are unfairly penalised by degenerate debt guzzlers who are then financially protected due to the self-interest of the ruling banking cartel

People do NOT need to take on debt. Many (many) people avoid debt. Many who do take on debt do not understand the risks they are taking, and do not even suffer the consequences of those risks.