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The alternative is to pop the housing bubble.
You can build a simple single family dwelling for under $20K. Relax regulations and let people do that.
Even if this was possible, and it isn't, it would be a disaster for the environment. People in houses consume an enormous amount of resources. Houses are incredibly expensive to maintain, even if you get them free.
You realize that's how people did it all throughout human history until like the last century right?
Us Population
1800: 5.3 million
1920: 106 million
2020: 331 million