Dear @denlillaapan I am that 65ish year old Boomer with three houses and cash to burn...but we are different because I understand the history and nature of fiat debt issuance and its impact on house prices over the last 40 years, and you do not.

Libertarians fail to understand they are part of the problem.
Inherently artificial markets often actually need to be regulated to prevent dysfunctional behavior.

The fiat debt issuance market for example.
'Deregulation' of it has resulted in the scenario faced by the 25 year old couple...and much larger consequences across the western world.

Liberatarians fail, repeatedly to understand the true nature of the problem because of their
blind faith in free markets...even when the 'market' is not a natural or free one, but one that is entirely a state imposed construct!

Neoliberal 'reforms' to the wests banking regulations removed the need for commercial banks to only fund productive investments- since then surprise surprise a vast quantity of fiat capital issuance debt burden has been directed upon non productive assets, primarily housing.

The west is declining in competitiveness in part at least because its bankers can issue debt toward any purpose and not only productive ones where the increase in productivity will counterbalance the debasement fiat debt issuance entails.

Under neoliberalism parasitic bankers came to own your democracies.
The decline of western civilisation was in large part enabled by our collective failure to stop this parasitic misuse of fiat debt capital issuance...or to even understand it in most cases.

Parasitic bankers who own your government are the problem- blaming Boomers is a distraction they love to see you indulging in!