When your Prime Minister is a property investor and most government members are property investors , it's literally a conflict of interest to allow people building affordable housing.
Your purpose in life is to be renter-peasant or life time mortgage peasant.
Did you say you are not going to have babies if you can't afford a roof over your head? Don't you worry about your prime minister, he can open borders any time and get more renter-peasants. To be fair, the scum is happening on a global scale, from South Korea to Europe, USA, Canada etc. The money involved are not billions, we are talking about trillions.
The system is not new, it is called feudalism. Renter-peasants and life time mortgage peasant on one side, landlords , property investors and banks on the other side.