You're naive. What part of housing is priced such that 30% is the defacto baseline for most people, don't you understand? Individuals don't set the prices, the

You're naive. What part of housing is priced such that 30% is the defacto baseline for most people, don't you understand? Individuals don't set the prices, the market does. And fyi home sellers and landlords love the phrase "what the market will bear". Sure, if you have two six figure incomes in your household you can come in at 25% or 20%, but everyone else... 30% would be a God send. Where and when did I suggest people just spend less? Again, I repeat, that 30% is a number used by people who... Wait for it... Make more money from higher prices. It's not the families setting that bar. We're done here. You're so intent on picking a fight that you're ignoring everything I'm saying. This is not what I come to HN for. Thanks. Good night.