The price of housing is artificially high because of the whole credit industry.
Before mortgages, you'd have people building their own houses on land they claimed as their own. A homestead. So I think in an ideal world we'd go back to that sort of thing, or something completely new.
https://www.youtube.com/watch?v=Y4WmDoYJhnkI certainly don't want loans in bitcoin, unless they're non-interest loans - that's where the monetary oppression in the world comes from.