How many people do you know who own a house? Not a mortgage, own.

The housing market is such that a lot of people are overextended, and the mortgage market encourages people to change their definition of 'enough' house which makes it worse again.

The fact that I don't have solar on my roof is substantially my own fault. I moved in a year after a subsidy ended and it contributed to my procrastination. But then my power grid is comparatively cheap and comparatively renewable, which also contributes.

But I know a lot of people who know a lot of people who can't even stay on top of keeping their expected house repairs up. And that's also an investment in energy and your time and having construction people in your personal space for 2x as long as they estimated it would take.