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Japan ‘on verge of no longer functioning’ after birth rate plummets to record new low
(www.independent.co.uk)
this post was submitted on 01 Mar 2025
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Here's what happened in America.
In the 1960s the "Women's Lib" movement started. They got a lot of press coverage because it was a good stroy, but didn't actually change things a lot.
In 1973 the Oil Embargo hit and suddenly one job wasn't enough for the family to survive. Lots of wives had to go out and look for work to keep paying the bills.
The Right has been lying that women getting jobs is what destroyed the one income family.
Tying the mortgage repayment rate to the median salary of a single individual would go some way towards fixing things then, but that would mean putting price caps on houses which would devalue the currency and also need anti-cartel laws (eg. Laws mandating a maximum amount of homes one can own, as cartels might see artificially low prices as an opportunity to buy up more houses).
Artificially constraining parts of banking and all of residential real estate is likely to have other unforeseen effects on the economy, but may still be worth it.
Another alternative is starting a state bank in which citizens can be part of a rent-to-own mortgage, with minimum but achievable life time repayments. If they don't meet those minimum payments, the house is sold and the profit from the sale is portioned out between the state bank and the mortgage payer in proportion to how much % they paid off.
That's a win win, as theyre probably getting a big cash payment when struggling, and the state bank then gets to relist the home.
The more appropriate fix would be no land ownership by people or countries that don't reside in the US, a banishment of investment companies from purchasing houses, and a hard cap of like 5 properties for any individual or company that can be owned as rental properties.
Far too many people/corporations are being landlords as a big business.
We might even expand it to all private ownership, maybe…
How do you put price caps on houses? They vary so much in price depending on location. A shack in San Francisco costs the same as a mansion in the middle of nowhere.
No this kind of centralized approach is doomed to fail. We’re much better off with Georgism with a land value tax and the total repeal of zoning laws. People should be able to build what they want, where they want, and the land value tax captures the increases in property values as a result. When a neighbourhood becomes too expensive to afford for single family households it gets converted into apartments.
All of our housing problems come from meddlesome local politicians, their NIMBY supporters, awful zoning laws and easements, and a terrible property tax system which disincentivizes development. A very simple land value tax system along with the total removal of local politicians’ power over housing development solves all of these issues.