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Oh I need to add a note about boomers because it's interesting now that I think about it.
The thing is that post ww2 capitalism had it that the dream for workers would be to get a work that allow them to buy a house, maybe a second one, and live a good life for that. It worked well, but like all capitalist dreams it was pyramid scheme that ends with us.
That's why most politicians won't do shit about it: it's the core of the American/capitalist dream. It is also why most boomers will never believe or accept any solution to the problem: their whole life was built on this, and now rely on this.
A lot of boomers are also occupying homes much larger than necessary. I live in an older suburb of 1950s houses so its a mix of older people and younger families. Of my immediate neighbors at least 12 of 30 homes are single old people or couples living in 3 or 4 bedroom homes with yards. These are good neighbors because they are quiet and rarely seen but completely wasting space that families could be living in.