The simply fact (as articulated by CityLab article whose name I forget) is "housing cannot be both affordable and a good investment". Encouraging the desperati

The simply fact (as articulated by CityLab article whose name I forget) is "housing cannot be both affordable and a good investment". Encouraging the desperation of capital through mass home ownership is a cruel joke. Even ignoring the fact that relatively few "homeowners" have paid off their morgage (https://fivethirtyeight.com/features/how-many-homeowners-have-paid-off-their-mortgages/ https://fivethirtyeight.com/features/how-many-homeowners-hav...), the value extracted is basically by rent seeking against other maybe future member of the same "middle class". People should own capital through a UBI (common ownership of a bit of everything) or actual productive enterprise (your immigrant small businesses), not price gouge each other.