I'm not sure what you are talking about. Price of a house is not some thing banks get to decide, at least not directly. They only get they to decide the amount

I'm not sure what you are talking about. Price of a house is not some thing banks get to decide, at least not directly. They only get they to decide the amount of interest they should collect to stay profitable after lending you money that you borrow to purchase a house. Price of a house apart from the raw materials depends on various thing like supply-demand factors. But that is the case with any investment. If you are having problems with investments in general where people can get rich by starting small but growing non-linear with time, then you are literally ruled out to ever be rich.