I find it funny you think people should be taking money and investing it in housing. investing in houses doesn't make jobs and it literally makes people less likely to spend there money. People need a place to live, if anything that should be easy and accessible. If someone wants a 12.5% bond or blue chip stocks those should be the real investments. Calling a house an investment is what is going to make it difficult for future generations to own a piece of the american dream.