I believe part of what the author was trying to lead to is that the housing crash/current situation has more people electing to rent then buy homes, so the dema

I believe part of what the author was trying to lead to is that the housing crash/current situation has more people electing to rent then buy homes, so the demand for renting is down. I don't think she was arguing to bring back the shitty loans for the poor, just that more people are renting.