You're missing the point: people who currently own a house get fucked. An entire generation or two of people will be locked out of retirement if housing prices

You're missing the point: people who currently own a house get fucked. An entire generation or two of people will be locked out of retirement if housing prices significantly fall. This needs to be accounted for. A majority of Americans own a home, so you're not going to get meaningful change in this area if it hurts most people.