The housing affordability problem demands one clear fix: home prices must come down. Yet policymakers keep taking the opposite route—pumping credit into mortgage markets to help buyers bid higher. It's a band-aid that deepens the wound. By artificially inflating purchasing power through easy lending, they're pushing people to overpay for properties they can't actually afford. This strategy masks the underlying issue instead of solving it. More credit doesn't heal affordability; it just kicks the crisis down the road while creating bigger distortions in asset valuations.