Please explain to me why it's beneficial to society to people to work 30 years, paying all sort of interest and fees to middle men and excluding the median citi

Please explain to me why it's beneficial to society to people to work 30 years, paying all sort of interest and fees to middle men and excluding the median citizen from home ownership? Dare I remind you that a single income family could afford a new construction home with just 4 years of salary in the 1950s and 1960s. Build more houses, make everyone that can go remote, remove the needless fake money bidding wars that come from easy leverage for those who qualify. It is scientifically proven that when a human owns something instead of rents it, they take much better care of their property and their community (source: google). Mortgages and renting just bring despair and trigger apocalyptic emotions in humans, which is why the Bronx looks like the Bronx, and Bellevue looks like Bellevue.