> The ability to satisfy needs now and pay for them in the future is why you can have a house

The housing market has been greatly influenced by the ability to loan vast sums for housing, and without that we would have a very different housing market but we would still have one.

I think banks should lend but it's probably fair that we have controls on lending, and I think we should probably tighten them up especially around housing.

Housing loans have been exceptionally tight since 2008. That's why the market collapsed for a while.