There are no moneys, only money. I don’t understand your reasoning. Why should a house never become more expensive? I built a house in s remote area, 20 years later the region is much more appealing, public transport, shopping, why should I charge less than the market is willing to pay?
Because a house is a shelter, not an investment, go start a business if you want that. Japan did the right thing and made it a depreciated asset to end this ponzi scheme
>than the market willing to pay
That’s the crux, a market speculation. Well, the market is also willing to pay more for death match gambling, that doesn’t mean it should be there.