or more people that usually have a common ancestor who died without leaving a will – in the region. One main argument against dead capital is that bestowing assets on poor individuals for the intention of lending makes them vulnerable to predatory lending. According to former United Nations Special Rapporteur on the Right to Housing Raquel Rolnik, "Formal titles are more important for financial expansion than for the rights of people", stating that "good housing policy is diversified and can mobilize different tenure arrangements, not only private property". She cited de Soto's policies that were enacted in Peru, saying that poor individuals who received land titles did not take out loans on their property. Some scholars including Daniel W. Bromley, Tor A. Benjaminsen, Stein Holden, Christian Lund, Espen Sjaastad, Ruth Meinzen-Dick and Esther Mwangi believe that de Soto's ideas cannot be utilized in countries that are not part of the Western world. Entities competing for the ownership of dead capital also raised concerns, especially when regulators administering titles preferred one entity over another out of self-interest. Other critics also argue that the wealthy have already amassed so much of the resources and land on Earth that it does not deter them from taking advantage of those given titles. Groups working to solve the dead capital problem World Bank (PSD initiative) Institute for Liberty and Democracy Center for Live Capital Free Market Foundation of South Africa References Capital (economics) Property law Real property law