I might be mistaken, but is this apparent "housing crisis" not just a case of the lower middle class bitching that they can't easily afford a house rather than there actually being a lack of housing. If tehre is a lack of housing then surely the solution is to take the housing that is availiable and instead of having the middle class buying a 4 bedroom house because in the next decade at some point they will have a child or two you take thoise 4 bedroom houses and put, you know, 4 people or couples in them instead of 1.