The real estate market has been stagnant for two consecutive years due to soaring mortgage rates, leading to a decrease in homeownership and a decrease in wealth for middle-class Americans, as well as a decrease in civic engagement and an increase in populism.

Tens of millions of Americans are one $6,000 debt away from financial ruin, as wages have failed to keep up with rising costs of living, leading to increased bankruptcy rates and a loss of trust in institutions.