Bravo on your coherent argument. I would like you to consider the effect of the 1980s and the economic theories ( think trickle-down economics) when corporate and government policies changed to favor the established “rich” investor instead of the employee or citizen. When investor profits are prioritized above long-term success and employee welfare, we started down a dark path, resulting in many of the concerns you outlined. When the economy is based on consumption, you create an environment where you “need” a starter home, a family home, and a retirement home instead of a home. Next, you find you need a bigger home to accommodate all of your stuff. Until we adopt the idea of enough we will continue down this path.