Ah yes, the only barrier to building wealth is already having enough wealth to make a downpayment. Which most people in NYC do not have because they're spending

Ah yes, the only barrier to building wealth is already having enough wealth to make a downpayment. Which most people in NYC do not have because they're spending so much of their income on rent. How are you supposed to encourage people to buy things that they don't have any money to buy?