The best response I’ve heard from someone when asking them this question was.. people are like rats, theyll find a way…
The goverment will probably throw some twist in IRA and tax sheltered savings to say that bankrupt people can use their savings to buy a house without penalty.. (Get it? It’s a joke..)
The US trains its sheep well.. from elementary school on, kids are told about the american dream… ”owning a house”.. so eventually in 10 years or so they’ll have enough fresh meat to do a shakedown of the middle class again..