What gain? More profits for the ultra rich? A dying planet?
People living in comfortable apartments is no real gain in capitalism because it means less ROI. But it is a huge gain to everyone’s quality of life if they can live comfortably.
Market mechanisms are very powerful in optimising resource allocation - but they aren’t optimising for maximum quality of life, they’re optimising for maximum ROI. Which lands in the pockets of the ultra rich, which then allocate the accumulated capital in only those endeavours providing maximum ROI, and the cycle goes on and on until so much wealth is extracted from society that the middle class collapses and the planet dies - and the ultra rich with them, for they depend upon the plebes to work for them in order to have an ultra rich lifestyle in the first place.