The special thing about housing though is you have to pay monthly payments for housing. This is the reason why those monthly payments are privileged in consider

The special thing about housing though is you have to pay monthly payments for housing. This is the reason why those monthly payments are privileged in consideration. So the alternative is rent, which at the moment in many places is looking like a less appealing alternative. The transfer of wealth in the housing market happens from one group to another regardless. I agree with a lot of your sentiment and what you're saying, but I think the monthly payment focus isn't irrational.