Think Covid-19 disease influenced a lot on decision of many citizens to buy suburban housing by means of mortgage. Don’t think that crypto can somehow to help in building new houses and to lower prices on them. Scarce goods always inflate in price. Only oversupply of houses can help to decrease prices or, probably, the full end of covid-quarantine.
This problem has been persisting even before the pandemic, 1970s is the right time to buy houses because they are the most stable time and less expensive economy back then but now that real estate skyrocketed in prices because of increase in population and business which made land more valuable and the 2008 housing crisis also contributed to the destitution of many people in USA, oversupply in real estate does not work the same as the basic supply and demand.