ps what about those that already tried to buy and retain houses etc, and were thwarted, by nature if nothing else (ie california fires), if they have no capital whatsoever, how to they get into buying houses again, or even kids, faced with lifelong debt just to get educated, and ending up on the street burned out, ex servicemen, mentally ill, physically handicapped, etc, how do they all get survival of any kind in a system that demands the prior holding of capital, to have any existence at all?