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The government won't fix it. Individuals need to. The government probably will offer 75 year mortgages in 5 years. Or some other snake oil fix. If you are going to be a landlord, be a better landlord. Base your business in bitcoin so you can afford to keep rent affordable for your tenants. Don't build shitty cages for them to live in. It is 2025. We shouldn't be losing to contractors that also were dealing with the black plague.
Same story with higher education... Artificial scarcity leads to higher prices, which leads to government-subsidized loans, which leads to higher prices, because the seller can now charge more... In the case of housing, the "artificial scarcity" part is largely what the #YIMBYΒ movement is trying to address. Zoning reform and similar things can go a long way towards that.