The American Dream on Life Support: How Decades of Central Planning Turned Homeownership into a Mirage
The Illusion of Prosperity: How Government Intervention Failed
For nearly a century, the U.S. government has been obsessed with propping up the illusion that homeownership equals prosperity. From FDR’s New Deal schemes to the more recent bailouts of Fannie Mae and Freddie Mac, every administration has insisted that subsidizing mortgages and manipulating interest rates would somehow make housing affordable and widespread. Yet here we are in 2025, staring at a homeownership rate of 65.2%—nearly identical to where it stood in 1980. All the intervention, all the cheap credit, all the political theater—and nothing to show but inflated prices and locked-out generations.
Cheap Credit, Soaring Prices, and Vanishing Affordability
Consider this: In 1981, the average 30-year mortgage rate was a suffocating 18%. Today, it hovers under 7%. That should have been a windfall for first-time buyers. But instead of affordability, all we got was asset inflation. Sellers jacked up prices to match buyers’ boosted borrowing power. The Federal Reserve’s endless monetary easing wasn’t designed to help working families; it was engineered to prop up asset valuations and funnel wealth into the hands of those who already owned property.
The result? Housing affordability has collapsed to its lowest point in decades. Younger Americans—already burdened by stagnant wages, student debt, and relentless currency debasement—are simply priced out. The average age of the first-time homebuyer has climbed inexorably. Even with today’s more moderate price increases (still 3% annually as of April), the damage is done.
A Speculative Playground for Wall Street
If you think this is a mere market anomaly, look at the numbers. The population has grown by 27% since 1995, yet sales of existing homes in 2024 were the lowest in 30 years. Why? Because housing is no longer a consumption good—it’s a speculative playground for Wall Street and institutional investors with cheap credit courtesy of Washington’s monetary cartel.
Let’s call this what it is: a failed experiment in centrally planned housing finance. Massive government intervention has inflated two historic housing bubbles, culminating in the financial collapse of 2007–2009 and the current crisis of chronic unaffordability. And still, politicians have the gall to tell you that if you just swallow one more stimulus package, one more bailout, one more promise of “affordable housing,” everything will work out.
It never does. Because the system isn’t designed to empower you—it’s built to enrich those who already hold the keys.
Take Action Before the Next Bubble Bursts
If you want to protect yourself and your family from this rigged game, the first step is to stop relying on the institutions that created the problem. Bill Brocius has been exposing this racket for years, and his insights have never been more vital.
Download Bill’s free guide, “7 Steps to Protect Your Account from Bank Failure,” and start building a real foundation for independence today:
👉 Download the 7 Steps Guide
Or take the next step to reclaim your financial sovereignty:
- Read Bill’s book, End of Banking As You Know It, and learn exactly how the system is rigged.
- Subscribe to the Inner Circle Newsletter for $19.95 and get unfiltered intelligence on how to safeguard your wealth before the next domino falls.
Don’t wait for the government or the banks to hand you a lifeline. They’re too busy taking yours away.
