The problem is also compounded by the fact that "Bricks and Mortar" are considered a middle class investment. And most of that investing class aren't really ok

The problem is also compounded by the fact that "Bricks and Mortar" are considered a middle class investment. And most of that investing class aren't really ok with accepting that a loss of money can also be part of having an investment. So consequently they create pressure with their political mass to stall all changes in policy that may be for the better. I don't see a crash coming, I see stalling economies as all the well just locks itself up in housing for a generation.