Homes? Nah they’re ‘investments’. I live in Brittany, France and new buyers, low earners etc are completely priced out of the market. My partner is a nurse and at her hospital they are closing wards because nurses, cleaners, healthcare assistants and even junior doctors can’t find, let alone afford accommodation.
In here The Company (a paper factory) guaranteed home loans for employees, a ton of people got dirt-cheap loans and paid off their homes in record time. My aunt still lives in one of those homes, they've been debt free since before the millennium.
Bournville in UK is another example. It was definitely a step up at the time, but I feel like conditions are somewhat better an century and a half later and if they would be going back to where losing your house with your job is an acceptable risk, it would now be a step down.