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> charging according to income

Perhaps only as part of a way to ease those with low income. But this is no good in general. You are charging one person more than another for the same good simply because of higher income. This is price discrimination and is unjust. Usury can work in an analogous way, such as when someone raises prices to exploit increased need even though the cost of production of the good sold is the same.

> property owners provide almost no value

They provide shelter and must maintain that property. Problems occur when they begin to charge unjustly for services rendered. This calls for regulation, not state ownership. No need to go to extremes.

> The current setup creates guettos [sic] by default, by siloing people with different monetary and social capital into different building and areas, hurting social mobility

Social mobility isn't the only consideration and not the summum bonum and it exists precisely to allow people to sort themselves into social classes (otherwise, why have social mobility in the first place). People of a given social class tend to live closer to each other because they share class cultural similarities, concerns, and affinities. That doesn't mean there is no contact between people of different classes, but the solution isn't to mix everyone up into a uniform mass. There's a middle way between the hermetically sealed ghetto and uniform distribution, and it doesn't involve violating the principle of subsidiary.

Ultimately, it is poverty that is a problem, not having a lower or higher income as such.



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