[strangegecko]

How do home owners get into trouble from falling prices if they're just living in their home?

Sure, if they need to move and sell, the price difference might be less favorable to them, but having to weigh cost vs benefit of moving is a fact of life one way or another.

It's a strange expectation to have that home values should act as an investment that can only ever go up.

Letting that expectation influence policy on making space for living available is one of the root causes of this crisis.

[Gibbon1]

My feeling is because we build little in the way of new units of housing most places. All the money being injected into the real estate industry is from the price-debt spiral.

[throwaway2037]

I'm only proposing to build enough units such that house prices rise at the rate of general inflation or slower. In many highly developed, capitalist systems, their housing prices barely budge in a generation when accounting for general inflation. This is done though careful regional planning. This business of "housing as investment" (for normies) is awful and greatly harms renters.