Hm... Let's see:
Apartments: Inhabited solely by students. Lots of underage drinking; history of assaults, injuries, even death. No University oversight or responsibility.
Frats: Inhabited solely by students. Lots of underage drinking; history of assaults, injuries, even death. University recognition.
I see. So, off campus apartments are just a way for the University to solve its housing shortage without having any responsibility for the safety of the students. It's a risk transfer from the University to the students that it failed to provide housing for.
Your first sentence in the "Frats" section is not accurate. Some frats are not only inhabited by students but also by the head trainer of the football program.
Carry on.