You blew right past "It’s self-reinforcing and resilient to small changes". The two underlying problems here are zoning policy and macroeconomic policy (ZIRP), both only changeable through politics. Directly helping other individuals doesn't stop the overall trickle-up economy from doing its thing of skimming wealth upwards. Yes, you personally can alleviate some other individuals' suffering by not turning the screws as hard, and I agree that you should where you can. But it's foolish to think that the systematic problem could be solved by everyone just choosing to go against the gradient.

Also I presume when you say "negative cash flow" you are leaving out the bit about your equity increasing due to mortgage payments and bubble inflation. So you can get off your performative high horse as well - you aren't describing a charity project, but rather an illiquid savings account.