Since this is a topic I know something about, I know the reasons the policies you advocate will not work. In fact, I know the reasons most policies do not work, which is why I don't have any utopian cure-all ideas that will end what you perceive as exploitation.

i will share with you one area where I believe you are correct. The problem with affordability of housing is directly related to local land use policies that restrict supply. Nimbys want to prevent new supply from coming to market because it will increase traffic and reduce their quality of life (or so they believe). Since nearly everyone is a Nimby to some degree, and since all decisions on the location and quantity of housing are local decisions, mostly, we end up with restrictions on supply, which has the effect of driving up house prices and rents. If you really want to lower the cost of living for people, advocate for increasing housing supply. That would actually work. California recently passed SB 330 to force cities to provide more housing, but it will take decades for that supply to make much difference.

Landlording is only hording or monopolizing to the degree that local governments allow it to be. The way you bust a monopoly is you promote competetion and remove barriers to competitive supply.

Rent is not usury. Payday lenders engage in usury, not landlords.

Any profit a landlord obtains based on inflation is eaten away by inflation. That's what inflation does. If prices did not rise with inflation, landlords would demand more in rent to compensate them for the loss of their purchasing power tied up in the investment.

Renters who don't make payments can end up homeless, but most just move to another rental, presumably a less expensive one that they can afford. If there wasn't a mechanism for eviction for non-payment, nobody would rent their property, preferring to leave it vacant rather than have someone provide wear and tear for no benefit to the owner.