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I own those things but that doesn't mean I have unlimited freedom to do whatever I want with them. I own my food but I couldn't sell it (I don't have the right licenses). I own my clothes but I still have to comply with the law when I do things with them. That laws/HOAs/etc. regulate what I can do with my flat does not feel substantially different.

Taxes too are orthogonal to ownership; where I live people treat the local government tax as another utility bill, like water or electricity (so when renting sometimes the landlord pays or sometimes the tenant does). If I owned a car I'd pay tax on it - but if I leased a car I'd also pay tax on it in the same way.

Words have meanings but are necessarily simplifications (just as a map cannot capture every detail of the territory). In legalese I lease my flat - but in English I own it, because how I use it and what I can and can't do with it has much more in common with something that I own than with something that I rent or lease.



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