[goodpoint]

> We all need somewhere to live. Also most of us (those who have incomes) need a place to save.

The first is a crucial need, the second is a want.

> It is a problem that the two things are confused now.

Yes, that's what I meant. And when they mix together the investment market takes over because it drive prices above the house-as-necessity market. Which translates into: houses are taken away from people who need shelter and give to people with money to invest.