Economics
The United States has
...roughly:
145 million housing units (houses + apartments)
165 million jobs (filled positions)
360 million people
This is not a balanced equation. An estimated 67% of Americans live paycheck-to paycheck.
220,000,000 people in America
are living paycheck to paycheck
Our towns & cities are visibly decaying because, for the landlords and the renters, it does not seem "worth it" to pay make things nicer. In fairness, it is more expensive than it used to be.
This is not just another economic bubble. This is caused by a thick, concrete-layer of debt which coats the land itself.
Housing & cost of living:
The cost of land is too high. This means the cost of living for the individual is higher. That means the cost of hiring someone is higher.
On the global stage, this means our raw materials, including food, metals, and all crops for producing clothing are also much more expensive. This means less goods can be exported.
This downward spiral for the American worker is clear to all of us. There are several causes, but the one nobody has mentioned until now: Mortgage debt
The bank did not build your house; they just helped you compete with your neighbors & large rental corporations on the price.
They do not pay for upkeep, or any renovations. If everyone has a mortgage (which an estimated ~97% do as of 2025) This makes the quality worse and the prices higher for the reasons described above. The 20% down-payment just means the bank owns 80% of the value of your house, just for doing paperwork. You will be kicked out and arrested if you do not pay them.
As snowball-effect, we now can't afford to build more housing units. Homelessness has skyrocketed.
While the banking industry has honestly made some areas of life more convenient, the mortgage department has critically harmed our nation, our quality of life, and even our global reputation. The 2008 financial crisis was entirely the fault of mortgage brokers; and both red & blue administrations effectively paid them to continue on the same course.
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