I’m mean, once you’re comfortable with a monthly payment why would you leave if the house suits your needs?

You could say the same about a pair of shoes. If they’re in good shape, why not keep using them as long as they still suit your needs? If you get a good pair of leather shoes they can last decades needing only the occasional repair.

The difference is that you wouldn’t expect your shoes to go up in value every year even while you’re wearing them.

The reason why it matters is that someone with a good job can’t afford a house anymore, and shelter is right there at the bottom of Maslow’s Hierarchy of Needs.