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What Historically Low Mortgage Rates May Spell for Homebuyers in 2020 and Beyond, Dwell, Sep. 22, 2020.

"Home is not meant to be a speculative financial asset—it’s supposed to be something that we fundamentally live in, and everybody should have a right to that," says Frank van Lerven, senior economist at the London-based New Economics Foundation. He points out that the Federal Reserve could easily lend substantial sums to public banks—the money could be used to fund social housing and other infrastructure, and the debt could then be sold to the private sector, just like other government debt, to reduce risk.