> IMO high housing prices are destroying civilization.

It's like a game of musical chairs. There aren't enough houses to go around. You go around and the music stops. Everyone scrambles to their nearest chair. Obviously the person on crutches will be the first to fall out of the game. The rest then talk about laziness, drugs, bootstraps, and all the rest. But add 1 more chair and there's no problem, even the dude with the broken leg can sit.

The solution is deregulation and land-value taxes. Tax land so that it reaches its maximum utilization. Deregulate so that buildings can actually be built.