Sure. Having the means to pay something once, and have it be repaid multiple times back with little to no expense, sometimes not even the bare minimum to remain “legal” housing, is a “service”.

Making money on the back of someone else with little to no work of yours is parasitic. Having enough money at one point in life to become a parasite doesn’t change anything.

Someone made that, sort of. Unfortunately, the privacy nightmare is slightly reduced compared to the original one.

https://github.com/openrecall/openrecall