When the underlying problem is insufficient supply in the locations people want to live, anything that gives average person more purchasing power (such as making banks comfortable with larger loans) just drives up the price even higher.

Densifying metro areas (the places people are moving to) is the only real solution. Otherwise the price has to be unaffordable for the average person, to drive them into finding a way to live in a more rural area or to put up with a multiple-roommate living arrangement.

It’s a war of attrition at this point, with Ukraine providing almost all the people to become casualties but highly dependent on foreign aid for weapons, ammunition, intelligence, and continued sanctions enforcement on Russia. If either the foreign support or the domestic supply of soldiers falls short before the Russian economy collapses, Russia gets to keep the occupied land. If the first break is the ruble tanks to the point desperate poor foreigners stop signing up en masse to be cannon fodder in the Russian army, Ukraine could realistically take back the territory they lost.

I think I have learned about seven separate ticketing systems at my work, so far. The specialized ones are associated with small teams I know and can go harass if they don’t answer in a reasonable time frame. The big main one, the associates reliably answer quickly, to let me know they can’t help me. It all feels very broken.

Different people and relationships can have different solutions that work for them. That’s OK!