Yeah this article has a very "blame the user" attitude because it labels a supply side issue as a demand side collective action problem.

"Just buy less house" sounds very avocado toasty. Anyways, the actual way many people are "escaping the trap" is by not having children and not buying homes. Or at least delaying doing those things.

If anything, the collective action problem is political. But it's very systemic. Simply voting for a good representative isn't enough unless those representatives push for systemic change (and the right kind at that).