In the housing market there is a useless but with big influence 3rd party that became so ordinary that nobody questions it anymore.

In eastern europe after comunist regimes fall houses were very cheap and nobody needed a loan to buy one, they could collect the money in just a few years, this has changed after eu banking entered the markets and loaning become something ordinary to buy a house just like in the west this lead to an average of 10x increase in prices.

If banks will be allowed only to loan money to businesses then the supply and demand alone will adjust the housing market to real buying power, this will also lead to more money being pumped into economy instead of keeping artifical economic bubbles.

Walls became the new gold for "investment" banks to keep their money, this mechanism is enforced through artifical goverment scarcity and bank loaning.