Fair point it's been like this for a while, but it is fundamentally a fiat printer subsidised activity. It has reached a point now where it's just ridiculous multiples of median salary in many western countries. 

I believe this why housing has been bid sky high and everyday people are struggling to own a home.  

 "I believe this is why housing [...]" 
What's the "this" in this sentence? 

 As in, the state subsidised and intervened in market for money and banking