The entire concept of "affordable" housing makes no sense when even people with average incomes struggle to afford a decent quality of life. The government acts like people who only make 50-60k or less are middle class, but they don't even make enough to rent without roommates right now. Charity prices for minimum wage workers should be the last thing on their mind.

The Canadian government is working as hard as they can to divide the country into owners who have homes that make more money than they do, and a permanent underclass of renters that can't possibly catch up with the price increases no matter how much of their money they save. Canada (or at least Southern Ontario and BC) is at a point where being born 5-10 years earlier is a bigger quality of life difference than the difference choosing to be a customer service worker or a lawyer.

Toronto homes were up 30% through 2020. They doubled in the 5 years before that. Being born 5 years earlier is the difference between renting with roommates forever, and being a home owning real estate millionaire. It's going to start creating really weird social dynamics soon.