If we really wanted to make homeownership something that most Americans can afford, we’d stop using homes as piggy banks and stop the financial institutions from using churn to create revenues for the industry.

We need lower prices so everyone can afford good shelter.

1) Remove tax mortgage interest deduction = that would automatically translate to lower prices.

2) Change capital gains exemption to 10 years = that would automatically translate to lower prices as it removes the speculator/homeowners from the market.

When citizens spend less on housing they have more to spend on other things = higher standard of living.