Don't you understand that the reason housing prices are exploding is primarily because everyone is going broke? We as a country have more dollars than ever but less conventional wealth every passing year. Boomers generally live in their home, which is completely normal. They are not generally getting ahead on it, except according to bullshit inflation. Zoning is a very small part of the puzzle. National impoverishment and degradation as we keep getting deeper into debt is the biggest problem.