What I'm trying to point to here is that in the developed world the vast, vast majority of the value of a dwelling is how many dwellings exist around it. That's because land value is an arms race. So many people want to live in, say, Toronto that large sums are poured into mortgages. The materials cost is only a small fraction of the value of the home.

But it doesn't have to be this way. People could put all this energy they're burning on crypto and apply the same principles into getting everyone to agree to some sort of better city with sustainability and low-cost-of-maintenance built in by default. That way we could have affordable housing spring up. It would take work to vet; escrows, webs-of-trust, etc. But it's totally doable in the new work from anywhere future.