US homes have not increased in value, your dollar is just worth less. http://pricedingold.com/us-home-prices/

"If You Sell a House These Days, the Buyer Might Be a Pension Fund" https://archive.ph/SQN1g

Asset-Backed Securities include mortgages. The federal reserve is giving the banks the money they'd otherwise only get from people paying off loans: https://www.federalreserve.gov/monetarypolicy/bst_recenttrends.htm

(The government is the reason you can't afford a house)

About Occupy Wall Street https://en.wikipedia.org/wiki/Occupy_Wall_Street

How The Economic Machine Works by Ray Dalio https://www.youtube.com/watch?v=PHe0bXAIuk0

Now, what your friend decides to do with this information is up to them, but Bitcoiners have decided the way to solve this problem is by creating a money with fair, unchangeable, and unrelenting rules. Oh and don't trust custodians. They have every reason to cheat you, and you have no way to know about it until its way too late.