Ha ha.
It's sad you think you're funny actually.
I mean I know they don't teach economics in the usa (guess you're from there) but man, it's not that hard to understand. Less money=>cheaper housing, access to more money=>more expensive housing.
But you need to think 2cm farther than how it is for you yourself right now today. I have never said that you should change for an expensive bank loan, lol, but just how market dynamics work when loand are expensive.
Well well, good luck to you all!