Nice illustration.
I would always prefer owning over renting when it comes to a need tho.
If I am going to be needing something, it will always be better to own it than rent it in my opinion.
I like the way you moved from the cost of a polo and a house and how you related it to splinterlands
But for example, if I am moving house and need a moving van, I am happy to rent it for a day rather than buy it :)
I need to visualize things to get a good sense of them :)