that most of these structures are mobile, and/or paid for in cash, or inherited.
Or cabins built by the lessee with their own hands, materials paid for as they went.

Not a stick-built 30 year mortgage structure.

Also, the article focuses on several people whose only home is on the lake. But many of these may be vacation "cabins", not the lessee's primary residence.

However, pointing that out might lessen the sympathy factor from the average ruck of us who can't afford "vacation cabins" of any sort anywhere.