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Man you're gonna be pissed when you find out most of the things that are broken are broken because of just average people. Housing market, for instance, is fucked because people want their houses to be "nest eggs."
Who you coming after with those pitchforks, specifically?
Housing market is broken because banks and enormous corporations treat housing as investment and commodity, and using enormous resources they have as a leverage to increase the price of housing to enormous levels. Retired middle class families buying second home have nothing to do with it and make no difference at all
This is up there with MAGAs blaming poor people for not wanting to work.
You...what?
The insanity level of the comment
If only people had government backed retiree funda so people didn't need to worry about money when they're old
If only people had government backed retiree funds
Social security? Hard part's done. Let's crank the value and means-test it. You don't hear this much, for obvious reasons, but social security is totally solvent if means-tested. Same should apply with student loans.
But also, I'd argue people will always chase free money, so the best thing to do is disincentivize owning a home specifically because it's an investment. This is very doable by simply changing zoning laws, and this change can be effected locally (but is very challenging because homeowners love their free money)