This whole housing question boils down to leveraged (and tax advantageous) savings and ownership of something that appreciates in value. For individuals that do not have enough capital or income to purchase an entire property, there needs to be 1) the ability to participate as a fractional owner in properties with commensurate tax benefits or 2) the ability to invest in some other leveraged, appreciating asset (or fraction thereof) that has similar high demand and societal benefit as housing--e.g. franchises based on entertainment, health and wellbeing, public utilities, etc.
This whole housing question boils down to leveraged (and tax advantageous) savings and ownership of something that appreciates in value. For individuals that do not have enough capital or income to purchase an entire property, there needs to be 1) the ability to participate as a fractional owner in properties with commensurate tax benefits or 2) the ability to invest in some other leveraged, appreciating asset (or fraction thereof) that has similar high demand and societal benefit as housing--e.g. franchises based on entertainment, health and wellbeing, public utilities, etc.
Many more are frozen out of becoming would-be buyers.