This is a pretty good read and explains that it’s not a supply issue.
https://pluralistic.net/2024/10/24/i-dream-of-gini/
A paradox: in 1970, everyday Americans found it relatively easy to afford a house, and the average American house cost 5.9x the average American income. In 2024, Americans find it nearly impossible to afford a house, and the average American house costs…5.9x the average American income.
Fear is a key driver (period). I just heard this on the radio. They analyzed what pulls people in and it’s fear. Fear also keeps people lingering longer. I didn’t hear enough to explain it (I got to my destination before the show was over). Putting it together with other things I’ve heard, the algorithms that are tuned to keep people engaged on the site skill natually choose things that stoke fear and that is probably the same thing that the facist propaganda is promoting, too.