Emotionally, I agree that the current system sucks. But how exactly do you "[put] median housing titles in the hands of median people"? Government seizure and redistribution of property titles? That's where I always get stuck: criticizing society ills is much easier than proposing concrete, pass-able policy.
"No mainstream economists touch this problem" because it's a damn hard problem without painless solutions.
"No mainstream economists touch this problem" because it's a damn hard problem without painless solutions.