Politicians prefer to blame government gatekeepers and corporate and foreign investors for Canada's housing crisis. But the hard truth is that everyday Canadians also unintentionally contribute to the problem, by banking on housing as a tax-sheltered strategy to build wealth. The dark side of these wealth windfalls is that younger and future generations are locked out of the housing market. Gen Squeeze founder Dr. Paul Kershaw argues that to restore affordability for all, we need home prices to at least stall or even fall, until earnings catch up.