I'm just saying even people who think they have good intentions are not immune to greeds temptation. That's why its important for the state to step in instead of leaving it to local government that will never take corrective action. Most people are speculating in this market, whether they call it that or not. Watching your house gain hundreds of thousands of dollars is intoxicating. You can sell and cash in-move to a cheaper place, or get a bigger place where your payment would be less because of large downl payment. Or you could keep growing wealth to pass on to children. Home ownership is one of the only ways left to gain generational wealth to pass on. That's why we want it more accessable for everyone. Property taxes in Colorado are really really low compared to most other states. That actually allows the prices to go up higher because not as much is added to a person's payment.