The answer is to build houses and print money to buy them with. If houses were a (much) smaller bet for the buyer, there would be more flexibility to build hou

The answer is to build houses and print money to buy them with. If houses were a (much) smaller bet for the buyer, there would be more flexibility to build houses where demand exists and a faster, lower-drama exit for people who don't like the changing nature of their in-demand neighborhood. The inertia created when people have their life savings tied up in their house perpetuates the problem of affordability, by making the areas that have the most mismatched supply vs demand the least likely to deal with the problem.