> The solution would start with housing

This is the answer. Housing cannot be both an investment and broadly affordable. Our society needs to choose.

Honestly its time to rip the bandaid off here with housing. Build, build, build. Fuck the NIMBYs, use eminent domain and buy them out. Build up, not out, and start driving prices down.

We need to stop making real estate an investment vehicle and an endlessly appreciating asset. "Line must go up" is fine for the stock market and a company's profit, it need not apply to a basic human need.