This misses the primary cause. There's an affordability crisis because most of the capital continues to concentrate in the hands of a small set of people who maximally extract rents. As one small example, private equity buys up businesses of all kinds and extracts a rent; both the consumer and the worker suffer.
If you said during the feudal era "there is an affordability crisis: the peasants don't have money to buy castles," perhaps you were right. But the solution was to revolt against the king.
If you said during the feudal era "there is an affordability crisis: the peasants don't have money to buy castles," perhaps you were right. But the solution was to revolt against the king.