[lordCarbonFiber]

I implore you to take some time and read at least one or two credible papers on the subject, because your understanding of fractional reserve banking is frankly too misinformed to unpack in the space of a forum comment. Suffice it to say I've certainly never seen any indication that removing easy availability of credit results in positive outcomes for the classes who already lack in capital. I'll include some links for you to get started at the bottom.

What can be addressed is the concept of affordable housing. Housing, to a certain degree follows a pretty tight supply and demand curve; put simply if you want affordable housing, pressure your local government to green light permits to build affordable housing[2].

[0]https://en.wikipedia.org/wiki/Fractional-reserve_banking [1]https://en.wikipedia.org/wiki/Credit_theory_of_money [2]http://www.wsj.com/articles/u-s-cities-see-apartment-rents-f...