[FooHentai]

Probably a false dichotomy; the ideal is somewhere in the middle. It's reasonable to plan to extract some value back out the commutable, family-size when retiring to somewhere smaller and further out. But it's a problem when this becomes the primary or only available means of funding retirement.

[digislave]

But isn't that also a factor of what people prepared to pay? Like if some people are prepared to pay 50% or more of their income to live in an attractive location, prices will rise so that to live in that location, most people will have to pay almost all of their income for it?

I am not sure there should be regulation to prevent people from doing that, as it represents personal choice and preferences.

[FooHentai]

Definitely, and also a factor of what people are willing to lend.