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Fear is also a strong deterrent. Also, buying properties is simply hard work, and one of the most common human nature traits is; "the path of least resistance" - laziness. Advertising - no-one advertises the benefits of property investing publically in a big way. The only advertising...

Well done Simon; I reckon this should be in the curriculum for every year 7 high school class. A few teachers might do well out of it too.