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"Young people can't accumulate wealth because houses are too expensive" is a fundamentally broken idea. If houses were cheaper and young people bought them, they would only accumulate wealth if prices then rose so that future young people would be unable to buy them.
Wait, what? The alternative to expensive houses is cheap houses and putting the saved money into savings. It's not that the house itself is the vehicle for wealth accumulation, that would be nonsensical, as you say. But all core expenses reduce appeal to accumulate wealth.
