Dark Cloud 2 is a super unique dungeon crawler RPG. I absolutely love that game.

Seconding Burnout 3!

I think the nuance here is that lacking a house doesn’t mean you’re lacking a home. A home is a much more complicated idea that involves family or community for many people, whereas a house is just a thing by contrast.

That said, my understanding is that most people find the terms roughly equivalent, and I’ve never been either, so I might be misunderstand it.