It's okay John, we're allowed to disagree, even vehemently. Especially on the bit about making the next generation bankroll your retirement. ;)

I won't waste time answering your last question, as that is what the article is for.

Your first question is a good one, and I've written extensively about the housing crisis and how to solve it. Banning for-profit land-lording would be the biggest of all leaps toward permanent affordable homeownership. But every honest person already knows that in their heart of hearts. Accepting it is the tough part.