Does Everyone Have To have a House?

The need to have housing for everyone who wanted a home caused the sub-prime crisis of 2008-09.   U.S. politicians saw to it that their voters got what housing they wanted whether they could afford a home or not. The banks, stuck with the paper, did what bankers have to do, manage and sell that mortgage paper to investors in order to operate their business, while making a profit. And become a political scapegoat in the process.
This also leads to the question of present-day “affordable housing” when the markets are still disjointed by ancient, unwieldy codes and artificial building costs and wages.(See the Earl J. Weinreb NewsHole®comments.)