It all comes down to supply: why is this such a hard concept for people to understand. It's not old people's fault, unless they're the voters who keep preventing housing from being built. When you limit supply, prices MUST go up: there's no other way it can go.

The other big problem is fundamentally: regulations that drive up costs for developers: everything from impact fees, to zoning, etc. We need to start working with developers to drive down costs and increase competition: that, plus vast amounts of building will drive down costs.