> (school and housing costs are completely out of hand)

On the housing side, the root problem is obvious:

Real estate cannot be both affordable and considered an investment. If it's affordable, that means the price is staying flat relative to inflation, which makes it a poor investment. If it's a good investment, that means the value is rising faster than inflation, which means unaffordability is inevitable.

The solution to the housing crisis is simple: Build more. But NIMBYs and complex owners who see their house/complex as an investment will fight tooth-and-nail against any additional supply since it could reduce their value.