[jjav]

> > a home is the largest purchase they will ever make and the bulk of their net worth

> That's bad and a central part of the problem.

Why? Or to ask in a different way, how could it not be?

For nearly all regular working people, there is nothing they will ever buy that costs more in labor and materials than a home. So of course it will be the most expensive purchase most people ever make. How could it not be?