This doesn’t seem like rocket science. My husband and I have been talking about the potential problems with this stuff for several years.
I remember being in college and clueless about politics and the ways of the world and listening to the radio announcement about how Clinton was going to give houses to minorities and poor people. Even I knew that it was a mistake. I told my future hubby we needed to save our pennies because in a few years we could buy up a really nice for cheap! (Wish I would have followed my own advice and that of my econ prof who told me the market would top out at 14000)