we're approaching the endgame of of the housing as appreciating asset scam, since it's now so far out of reach that newly born people cannot purchase anything at all. this will lead to a slump in demand for housing from anyone but rich investors, who in turn will need to find a way to make their inflated assets turn a profit and fail, since illegal hotels (AirBNB) are being cracked down on and rents that support the asset price cannot be paid by end users either. this will lead to popular desire for policy changes away from the housing as appreciating asset scam since it no longer works either to provide housing or wealth.