I mean it’s not like we haven’t tried this. Without loans normal people don’t buy houses. At least not early in careers. How exactly would a regular wage earner

I mean it’s not like we haven’t tried this. Without loans normal people don’t buy houses. At least not early in careers. How exactly would a regular wage earner save enough to compensate people for the thousands of hours of embedded labor it takes to build a house in a reasonable time? Where do they live in the meantime? We have tried subsistence living models. It’s not better. The problem isn’t that access to capital exists it’s the combination of excess capital with drastically restricted supply due to anti building policies, as well as general unequal distribution of resources.