I think the biggest issue is that the price of homes proportional to income isn't what it used to be. And that causes things to keep getting worse.

Homes cost more and people have less money so less homes are sold. This allows institutional investors to buy up larger portions of the available housing, and they prefer to rent those out.

So that along with other factors makes home prices keep going up causing less people to be able to buy. People being forced to pay a larger portion of their income to housing causes the spiral to get worse and creeps into other industries that people won't patronize if they need to save money.

Landlordss being allowed free reign historically does this to countries. It happend in England and China and probably a lot more countries i am ignorant about.

Housing should not be a speculative asset in the first place. Houses are for living in- and before you tell me about how they are a valuable store of wealth, you shouldn't need to do that either to get by. Your net worth and therefore your class standing should not be a factor in whether you can have access to the basics of life. That's why it's called capital-ism, because everything revolves around capital. It's designed to self-perpetuate by exploiting the inequalities it produces. There are other ways of life, and they aren't as pie-in-the-sky as they would seem. You just have to get out of the capitalist frame of mind to understand how they work and what exactly is holding us back from achieving them.