> Prices of large costs like housing and college tuition have increased in massive surplus of the average person's ability to pay for them, which in many ways i

> Prices of large costs like housing and college tuition have increased in massive surplus of the average person's ability to pay for them, which in many ways is a huge problem in and of itself, but the only way the system even sort of still works is easy access to debt. Easy access to debt financing drives up those prices. If people can't afford purchases w/o incurring debt and loans aren't available, prices would fall. Instead, you're advocating making it easier for people take loans that exceed their ability to pay? That's not rational from either a borrower, a lender, or a systemic perspective.