My experience over a few decades and several home ownerships is that debt plays an outsized role. You are paying a bank first with your mortgage payment, and t

My experience over a few decades and several home ownerships is that debt plays an outsized role. You are paying a bank first with your mortgage payment, and that csn be 80-90% of your housing cost, which is partially defrayed by a tax writeoff. And the banks basically have a license to print money. We are all working for the banks to some extent. Could this change in the future? You bet it could... but we have to make it happen.