[dmingod666]

Sure, you have a valid point. However, a tangential argument can be made that, exactly due to banks lending money to buy houses, houses have essentially been priced out for regular people..

If you see educational costs, at one point in the 70s I think, the govt decided to offer loans so that students wouldn't need to do a job on the side to fund their education. Now it's ballooned to become such a mess..

[Godel_unicode]

They have absolutely not, with the noted exception of a few popular urban areas which house a relatively small minority of the population, been priced out for regular people.

The home ownership rate in the United States is 65.8%. San Francisco. Is. Not. Normal.