It's a cold hard fact of life that most necessary things (not luxuries) really aren't that expensive anymore. It's mostly just housing and healthcare. Healthc

It's a cold hard fact of life that most necessary things (not luxuries) really aren't that expensive anymore. It's mostly just housing and healthcare. Healthcare is weird, maybe it will never be cheap without socialized medicine. Housing is way overpriced though. The fed has continued to artificially inflate the price (despite a significant amount of housing that goes unused) by buying unprofitable mortgage backed securities and zoning prevents development restricting supply. Go outside and look around. Even in wealthy developed places most of the land in the US sits completely unused (not farms, just unused woods.) Where there are buildings they're often mostly empty because that's profitable (because the debt owed by the owners isn't called.) Because taking out loans to build luxury housing is profitable despite demand for low/medium income housing, low/medium income housing never gets built.