I was thinking that if we had a sensible housing programme ...That this situation would improve greatly
I don't doubt it, though it bears saying that ultra-low mortgage rates should have done something to help - if crazy house price inflation hadn't ruined things of course. I do doubt that folk will ever stop protecting their assets if the means exist to do so, however, and I suppose you can't blame them when so much of what they're expected to pay out is simply wasted on political vanity projects and worse
Overall some very interesting hings have been said about the complexity of it all, which seems to suggest that, as ever, it's important to get proper advice if possible