Then housing couldn't be used as retirement savings and the economy would collapse immediately

The question that many do not want to think about. We (as a society (referring to all Western Liberalism, not just the US)) are so thoroughly convinced that Liberal Democracy is the End of History, and it's the 'flawed but best,' as many say, but refuse to imagine something better.

It's puzzling that a system that is supposed to reward creativity and genius like capitalism limits it's inhabitants in their imagination when it comes to how one might structure society.

I don't claim to have the answer, and _no,_ my issues with Liberal Democracy/Capitalism don't mean I'm a communist / socialist / thing-people-don't-like.