The problem lies in the premise. "Home buyers" is loaded, the idea that a metric, purchasing an industrially manufactured dwelling, should be a goal is the source of all this. A "home" is not an investment. Home is the place you belong, it's a living thing that you nurture. Calling them homes is a marketing term designed to sell the problem being caused here. They are dwellings. That's all. And you can make a dwelling yourself, turn it into a home, but we can't do that because of this ponzi scheme that we all (figuratively) bought into that we are in the end stages of right now. Of course it's out of reach for most people, it is abnormal.