Comment by cosmodisk

The whole model of housing is broken in most countries,including the US. It's interesting that entire economies are willing to subsidise food to make it as available as possible, but the second most important thing in human life-shelter,is completely overlooked. I'm not arguing that everybody should live in large mansions free of charge, however the fact that people who work do struggle to keep roof over their heads either via rent or mortgages is absurd. Also,how society deals with periods of uncertainty,or difficulty. For instance someone takes a mortgage for 30 years period and then ends up having some temporary hiccups on year 5 that can be resolved in a few months ( i.e. unemployment). So instead of saying something like: 'ok, you are having difficult times,which is li ke 1% of the entire period,so you'll simply have to pay this longer', we say: 'tough luck, get out!'.