I think most would agree that the obvious changes impacting housing are: 1. Low interest rates with loose monetary policy 2. Demand increases due to covid (pe

I think most would agree that the obvious changes impacting housing are: 1. Low interest rates with loose monetary policy 2. Demand increases due to covid (people want bigger, better homes if they're stuck there) 3. Lowered supply (people not moving during pandemic; new build and renovation halts) Education is rampantly increasing because the government has decided to remove all risk, essentially removing default risk from lenders so they'll loan to anyone with a pulse, regardless of expected roi. Healthcare is facing the same governmently supported interference. Edit: with regards to housing, the federal government just proved that they are willing to commender private property without just compensation which has just heavily skewed rental risk for landlords so they will now be demanding higher premiums for the same product due to unquantifiable shifts in assumed risk.