this post was submitted on 09 Dec 2025
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And it has the same problem as every other current solution.
Yes coops can keep prices from rising over time, but they do nothing to make units affordable up front.
Where the fuck are you going to get the capital to build/buy enough units to make it do anything?
The entire government budget looks tiny compared to the current value of the real estate market. The government couldn't even realistically fund building or purchasing 1-2% of the units in the country as coops, let alone enough units to make a difference in the market.
There are other better policies.
How do you eat an elephant?
You don't fix a breaking dam with scotch tape.
You put in the effort to fix it properly, or you let the fucking thing collapse and deal with the consequences.
This is where we're at for housing.
How do you fix a breaking dam?
Certainly not with a bunch of small patches.
You bring in the big guns and move the fucking earth.
How does that apply to the housing market? You bring out financial policy that makes homes worthless as investments, even for regular home owners, and destroy the asset value of homes almost completely.
One policy could literally drop housing prices by 80% by itself, it just can't get passed by out government because voters don't actually want affordable housing. The vast majority of Voters are invested in the market and have no interest in throwing away hundreds of thousands of dollars to make things affordable for others.
We made real estate a tax haven for Boomers who refused to save. No politician will touch that model until the Boomers are all dead.
It really doesn't have to do with Boomers, just home owners in general. Politicians won't touch it until home ownership rates drop to a point where they aren't the majority of voters anymore.