> It all changes hands within a few decades though. Nobody lives forever.

Unfortunately they’re trying.

Wouldn't it be cool if a .org could be established and funded by older wealthier folks that directly provides mortgages to the young, without the greedy bankers involved? Sometimes when I was earning free crypto on coinbase in exchange for learning about new coin offerings, I sensed the foundations for new, very low cost, "zero trust" systems for finance that would not involve the current high-profit monopolist bankster systems. Maybe it's just a question of when. What reason is there for a gap of 3% or more between a certificate of deposit, and what is charged in interest to a new home buyer? It's a staggering difference, hidden in plain sight, that keeps the young in debt to the mortgage banking induustry.