> There are more to this than housing becoming an investment tool [...] Hard assets are only going to keep going up. And then the government guarantees that hou

> There are more to this than housing becoming an investment tool [...] Hard assets are only going to keep going up. And then the government guarantees that housing market should never go down It's exactly housing becoming an investment. In your post you precisely explain why it's a profitable investment, why that makes it unafordable, and the solution you propose is to make it an unprofitable investment. I think you and the OP agree completely.