Banks stopped being a place to save when interest rates were dropped to near zero, well below inflation, destroying the value of savings. People wanting to to protect their wealth bought second homes which became their pension plan. At the same time, government planning rules slowed the supply of new homes to keep prices propped up. Every problem with housing = government. The free market would fix this easily. Not more Gary Government.(Peter McCormack 🏴‍☠️🇬🇧🇮🇪)