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I think the affordability crisis is primarily referring to three markets specifically: health, education, and housing.
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I agree, but the lack of sympathy comes from seeing regular people splashing money around like it ain't no thang.
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I get that, but some would argue that the causality is reversed. That is, people turn to financial nihilism because actually saving for a home, education, and being able to pay for your own healthcare seems out of reach
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Sympathy is a feeling. It's immune to your causality.
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I see the gulag is finally doing you some good
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About time
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It would be easy to construct efficiency arguments (and they'd probably even be true), but they're at odds with the idea of an affordability crisis.