They put pressure on everyone by issuing too much credit against land. Once it's available someone will take it and outbid you for a home. Then you must either

They put pressure on everyone by issuing too much credit against land. Once it's available someone will take it and outbid you for a home. Then you must either join them or pay rent which is also increasing due to more people in your situation. It's an age old trick. You flood with credit then you clean up.