> Credit is most available and most advantageous to those higher up that get new money first, and creates a moving target that makes long term stability artific

> Credit is most available and most advantageous to those higher up that get new money first, and creates a moving target that makes long term stability artificially difficult for those with no capital. See Cantillon Effect [1]. > I wish it was easier to know what a good solution was to lowering the cost of living without hampering innovation. I advocate opening real estate to true free market pressures over a couple decades. It now strands egregious amounts of capital in developed economies, is the most heavily-subsidized market in developed nations, is the lowest hanging fruit of middle class household budgets that can benefit the most from a deflationary adjustment transition to the asset class, and offers near-zero national competitive advantage in a future where cognitive leverage is the key to dominant power that will extend beyond the Earth's biosphere. [1] https://en.wikipedia.org/wiki/Richard_Cantillon#Monetary_theory https://en.wikipedia.org/wiki/Richard_Cantillon#Monetary_the...