If I look around me, a significant percentage of people's income is already going into housing, healthcare and taxes. The money that is left is used to buy som

If I look around me, a significant percentage of people's income is already going into housing, healthcare and taxes. The money that is left is used to buy some Ikea furniture, pacifiers^Wgadgets like phones and TVs and perhaps a vacation once a year. In other words, just enough disposable income so that people don't revolt. How can there be an efficient and actually free market for housing? At the very least, people should be allowed to build slums, otherwise they do not have any leverage to drive prices down by opting out of an overpriced market.