You’re playing with words here. Mortgages are considered ownership around the world.
It’s only fair I throw a creative wrench in your idea of ownership then: eminent domain. You can never own something if it can just be taken away even if you are compensated.
> Mortgages are considered ownership around the world.
Only because the people in power have successfully brainwashed everyone into thinking so. I don't care what brainwashed people consider it to be. I only consider it what it actually is.
From first principles, it is objectively not ownership, if the bank has rights on it.