The bottom line is that Housing in it's current state is fundamentally broken. Broken in the sense that it's disproportionate due to supply and demand. As an analogy: If the foundation of a building isn't functioning properly, it doesn't matter how shiny and new you can make the rest of the building, it will still be unstable. The core of our Housing system is unstable and no matter how much we build on it it will in it's core still be unstable.