But surely, if people want better housing and can't afford it, the right thing for each of those individual people to do would be to save their money until they

But surely, if people want better housing and can't afford it, the right thing for each of those individual people to do would be to save their money until they can, not load up on debt and buy something they don't want as much. Granted, that would cause unemployment in the industries that people would rather give up consuming from, but maybe that would free up some talent to go into building houses - isn't that how the capitalist system is supposed to work, that things people don't want don't get produced?